MARYLAND PIP

(Maryland Personal Injury Protection)

 Information on Maryland PIP coverage for persons involved in an automobile collision in the Maryland.

Filing for Maryland PIP

Filing for PIP is very simple and in most cases involves requesting forms, filling them out and submitting proof of your damages.

If you have an lawyer you are advised to have him or her assist you in filing for PIP.  We file PIP for our clients as a courtesy and as part of their injury claim.  This ensures that the maximum amount available is recovered.  If you do not have a lawyer there are steps listed below.  These are the basic steps and should be taken in addition to speaking with your insurance company of agent who will also answer questions and give advice concerning filing for PIP.

1. Immediately after an accident contact your the insurance company that wrote the policy of insurance covering the vehicle you were injured in.  In most cases, if you are driving, this is your own insurance company.  Ask them to send you the Maryland Personal Injury Protection claim forms including the Application for Benefits. 
2. In addition to requesting the PIP forms, ask your insurance company of agent to advise you of the steps to take in filing the forms.  Every insurance company has different methods of handeling PIP and doing it their way can often expedite your recovery.
3. Once you have received the forms, fill them out completely and return them to the insurance company who sent them to you.
4. At this point, most insurance companies will contact your medical providers and pay them directly.  In the event they do not do this you must submit your medical bills to the insurance company for payment.
5. If you are missing time from work, keep a list of the hours and rate of pay.  Once you have finished missing time, you will make a claim for your lost wages.*

• One way of doing this is to write down the hours you missed and the rate of pay for those hours and have a supervisor sign this sheet.  Submit the sheet to the insurance company with a letter asking them to pay you those hours.
• Remember whether or not your employer paid you while you were off work should make no difference to the insurance company.

* You do not have to wait until you finish missing time from work to make a wage claim, this is suggested only because it is often easier to submit once rather than several times during the course of your treatment.  Certainly if you have the time and need the money sooner, submit your lost wages as they accrue.

Copyright © 2004 Williams & Williams, P.C.
Last modified: 03/16/04

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