Personal injury protection (PIP) insurance is supposed to help drivers who have medical expenses or lost wages because of their auto accident, but insurance carriers sometimes make the claims process unbearable. To ensure your PIP claim is processed successfully, a Cincinnati personal injury protection coverage lawyer can help you through the process with your insurance carrier. If your insurer is failing to provide adequate compensation, you may be entitled to file a lawsuit for your Cincinnati PIP insurance. At the law offices of O'Connor, Acciani and Levy, our highly trained auto accident attorney welcome the opportunity to review the details of your claim and are ready to help you today.
Do You Need Pip Insurance?
Although it is not required in Ohio, drivers in our state and many others choose to purchase PIP insurance to ensure that, in the event of an accident, they will not need to worry about the cost of hospital bills and wages lost during recovery time. PIP allows victims of car accidents to move forward with receiving medical care without having to wait for the car insurance company to determine blame and make payments. Additionally, if a car accident lawsuit is filed, the victim may receive medical treatment and rehabilitation services while a car wreck attorney begins proceedings rather than wait for the lawsuit to be filed. PIP coverage varies from state to state, which is why it is important to review the details of your policy and determine what is and is not covered In some cases, your Ohio personal injury protection coverage will include substitute services if you are unable to perform everyday tasks at home, such as cleaning. If the accident injuries result in a death, Ohio PIP insurance may cover burial expenses. Ohio PIP insurance is also known as no-fault coverage because policyholders will be covered for their injuries regardless of who caused the accident. Car accident victims should remember that medical benefits are only extended if you seek treatment for injuries within the first 14 days following the crash.Reimbursement For Lost Wages
Under PIP, your employer must complete a wage and salary verification form, which you submit to your insurance provider for reimbursement of lost wages. This document reflects the wages you made for 13 weeks prior to your accident to establish the rate of your loss during your time out of work. Our accident attorneys can work with your employer to be certain this document is appropriately filled out and filed.How An Attorney Can Help
Following the initial shock of a car accident, one of the most frustrating issues is often dealing with an insurance company. Ohio personal injury protection coverage can help car accident victims get the assistance they need as swiftly as possible. Unfortunately, when insurance companies deny a claim without a legitimate reason or provide inadequate coverage, auto accident victims will find themselves in a bind. Some reasons why an insurance company may deny a claim include:- Medical treatment not covered under the policy
- Coverage lapsed
- Policyholder failed to pay premiums on time
- Misrepresentation in the policy
