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Maryland Personal Injury Protection (PIP) coverage is an excellent addition
to any policy of automobile insurance. It does has some limits and
limitations. Listed below are some of the limits and limitations of
Maryland PIP:
- Maryland PIP will only pay for medical bills and lost wages up to the
amount of coverage you have purchased. In most cases this is $2,500.
This is a total recovery and not $2,500 each for medical bills and wages.
- The most PIP coverage available in Maryland is usually $10,000.
- Your insurance company will only pay for reasonable and necessary
medical expenses. This means that any bill you submit will be reviewed
and the full amount is not guaranteed.
- Maryland PIP only covers medical bills and lost wages. It does not
cover expenses such as transportation and property damage.
- Any wages you submit for payment will be reviewed and only the time that
the insurance company deems reasonable and necessary will be paid. In
addition, only 85% of the supported wages will be paid. The
best way to support a wage claim is to submit a disability slip from your
doctor, listing the dates you missed from work along with your wage claim.
- The availability of Maryland PIP can be effected by persons in you
family that you live with if you do not have your own policy of automobile
insurance.
- Maryland PIP will not compensate you for pain, suffering and
inconvenience that an accident causes you. Your attorney will advise
you concerning compensation for these items.
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