Understanding Personal Injury Protection (PIP) coverage in Delaware is essential for anyone who could be involved in a motor vehicle accident. Navigating the nuances and intricacies of PIP laws can greatly increase your chances of seeing fair compensation for medical expenses and lost wages, and you don’t have to do it alone.
Proudly serving clients across Delaware, the skilled personal injury lawyers at Schmittinger & Rodriguez have helped tens of thousands of clients like you see justice for their injuries following a car accident, truck accident, or motorcycle accident. Proudly serving the people of Middletown, Milford, Georgetown, Rehoboth Beach, Dover, and beyond, our team is backed by 62 years of combined experience and a proven track record of successes. We’re ready to start fighting for you today.
Understanding PIP Coverage in Delaware
Under Delaware law, Personal Injury Protection (PIP) coverage is a mandatory component of auto insurance policies. It provides an avenue to seek compensation for medical expenses and lost wages as the result of a motor vehicle accident regardless of who was at fault. This coverage is designed to ensure that accident victims receive prompt medical treatment and financial assistance in the aftermath of an accident, regardless of their financial circumstances. Delaware law requires that all auto insurance policies offer a minimum PIP coverage of $15,000 per person or up to $30,000 per accident to account for medical expenses and lost wages.
This coverage includes reimbursement for any necessary medical treatment for injuries caused by the accident, including hospital bills, prescriptions, doctor’s fees, physical therapy, rehabilitation, and any medical equipment. It’s vital to keep detailed records of all medical expenses incurred to ensure you’re appropriately reimbursed.
PIP coverage also provides compensation for lost wages caused by the motor vehicle accident. If your injuries render you unable to work, your PIP coverage may reimburse you for a percentage of your lost income. Similarly to medical bills, it’s important to provide detailed documentation to support your claim for lost wages including pay stubs or a letter from your employer.
PIP coverage in Delaware operates on a no-fault basis. This means that your own insurance company will provide this coverage for lost wages and medical expenses even if you were at fault in part or in whole for the accident. However, if you have health insurance, disability benefits, or other sources of coverage, your PIP coverage may be coordinated with these other benefits. Understanding how your PIP coverage interacts with any other benefits you receive is essential to maximizing your recovery, and the assistance of an experienced personal injury attorney can prove invaluable at this juncture.
Your Delaware Personal Injury Attorney
Navigating Delaware’s PIP coverage can be complex, but with a clear understanding of what this coverage entails and proper guidance, accident victims can see real compensation for their medical expenses and lost wages. If you or a loved one were injured in an accident in Delaware, turn to a trusted team of personal injury attorneys who will make it their mission to secure justice, accountability, and rightful compensation: Schmittinger & Rodriguez. With 62 years of combined experience and over 45,000 clients served, our team is ready to help you see just compensation for your suffering. Contact us today for a free consultation!
