When can you get medpay and PIP after a car accident?

Parties injured in an auto accident may be able to start collecting MedPay & PIP immediately after filing a claim. The key to filing either claim is to follow the insurance company’s rules and maintain records of all medical expenses.

PIP Explained

Personal injury protection coverage, referred to as PIP, applies to no-fault car accident states. PIP coverage is provided by the individual’s insurance policy, and not the other driver. PIP coverage in no-fault states is often mandatory. Such coverage will protect the driver, any passengers and any pedestrians injured in the accident. PIP claims are not usually subject to a deductible.

MedPay Explained

MedPay is similar to PIP, but is typically only found in fault car accident states. MedPay coverage will pay for injuries to the driver, passenger and pedestrians. Like PIP, MedPay payments are also typically subject to a deductible.

When to File a PIP or MedPay Claim

A PIP or MedPay claim should be filed immediately after the accident. In fact, particularly for PIP claims, there may be a timeframe in which claims must be filed or they are non-compensable. Both PIP and MedPay claims are filed with your insurance company. Immediately after the accident, contact your insurance company and inquire into the process for filing the applicable claim. Follow all directions for completing the claim and include copies of your medical bills. You do not need to have all of your medical treatment performed prior to filing a claim; you can continue to file for reimbursement as more medical bills are incurred.