What is PIP (personal injury protection) insurance and do I have it?

Personal Injury Protection (PIP) is an insurance coverage for medical and other expenses such as lost wages resulting from an auto accident, for people specified in the policy, regardless of who is at fault in the accident. Maryland law does not require PIP coverage on auto policies, but insurance companies are required to offer you the coverage when you buy an auto insurance policy. If you do not want it, you can reject it in writing by executing a waiver.

(The Maryland Insurance Code also has exceptions for government-owned vehicles, buses, and taxicabs.) PIP insurance is very helpful to you if you are injured because it essentially allows you to recover twice for your same medical bills and lost wages (of course, there is a pain and suffering component as well to any personal injury case). For example, assume that you have $2,500 in medical bills and $2,500 in PIP coverage. Your PIP insurance will pay all of your medical bills.

Yet you can still collect from the at-fault driver's ... more.

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