My automobile insurance includesPersonal Injury Protection(PIP) benefits. What is this and how does it help if I'm hurt in a car accident?

 

A: In D.C. and Maryland, many automobile insurance policies contain PIP coverage.  If you are hurt in a car or truck accident, your automobile insurance company will cover reasonable and necessary medical treatment and lost wages up to the PIP policy limit.  In Maryland this is usually $2,500 but additional insurance coverage can be purchased.  In the District of Columbia, this may also be called No-Fault insurance.  In some situations, accepting D.C. no-fault may preclude an injured person from pursuing a negligence case against the responsible driver.  Before accepting benefits, discuss your injury and accident with an experienced attorney who can also analyze your automobile insurance policy.