Personal Injury Protection (PIP) benefits allow those who have been injured in a car accident to seek financial relief through their own insurance company. Hawaii is a no-fault insurance state. This means coverage for your medical bills and lost wages will not come from the other party’s insurance company, but from your own. Thus, in order to protect yourself in case of an accident, it is necessary to obtain PIP insurance coverage.
PIP coverage goes into effect after you have been injured in a traffic accident. You will need to file a claim with your own insurance provider. PIP benefits should pay for medical expenses and lost earnings from time off of work. Generally, the PIP coverage will extend up to $10,000 for medical bills, and you may need to file a separate claim for uninsured or underinsured motorist coverage, depending on the situation.
In essence, PIP coverage protects you in case you are injured in a car crash. Because of Hawaii’s no-fault insurance structure, you won’t be able to pursue a claim against an at-fault party’s insurance company. Thus, by having PIP coverage, you can receive the compensation you need from your own insurance provider.
At Leavitt, Yamane & Soldner, we provide knowledgeable legal services to clients who have been injured in a variety of accidents. Our Honolulu car accident attorneys stay up to date on federal and state laws, and will work diligently for your case. We are passionate about helping clients pursue justice for their injuries. From start to finish, our firm will tirelessly represent you.
Contact us today to receive a free initial consultation.