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Personal Injury Protection (PIP), the role in New York car accident claims

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Personal Injury Protection (PIP), the role in New York car accident claims


After a New York car accident, knowing the details of insurance coverage will have a major impact on how a claim is handled. Personal Injury Protection is a crucial part of New York drivers’ insurance coverage. 

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What is Personal Injury Protection Insurance (PIP)?

PIP (personal injury protection) insurance is a form of coverage which provides benefits to cover medical costs, lost wages and essential services following a car crash, regardless of the person at fault.

Unlike liability insurance, which covers damages to other parties, PIP coverage focuses on the policyholder’s own injuries and expenses. All drivers in New York must have PIP insurance.

PIP Coverage Options and Limits

New Yorkers are required to have PIP insurance at a minimum of $2,500. The maximum amount of compensation per person is $50,000. Drivers can purchase higher limits of coverage for additional protection. Higher PIP coverage can help cover medical expenses as well as lost wages if you are involved in a serious accident.

Personal injury protection: benefits

PIP provides several benefits for New York drivers, including a guarantee that they will be able to…



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