Maryland Personal Injury Protection, also known as Maryland PIP, is a type of insurance policy used to pay medical bills, lost wages and other expenses of people who are injured in car accidents. Maryland PIP can be collected whether you caused the accident or not. It is not fault based. It starts as a part of every vehicle insurance policy in Maryland. However, it can be waived by an express written waiver. Not paying for PIP is not enough to waive the policy. An auto accident attorney should be contacted prior to waiving this policy.
Maryland PIP is found in Maryland Insurance Code § 19-505(a). Seven categories of PIP coverage exist within the code: the insured, guests in the insured’s vehicle, the insured’s family members that live in the insured’s household, permissive users, passengers in the vehicle and any injured pedestrians.
One major benefit of Maryland PIP is that you may be able to recover twice for your injuries. You can recover once under your own PIP policy, and then recover again under the insurance policy of a negligent driver who causes the accident that leads to your injury. This is a double recover permitted under the collateral source rule of Maryland law. However, it is important to remember that the statute of limitations for filing a PIP claim in Maryland is one year.
If you have suffered an injury caused by an auto accident in Anne Arundel County, Howard County, Montgomery County, Baltimore County, Baltimore City or anywhere else within the state of Maryland, contact The Law Offices of David L. Ruben. We offer a free consultation in every case and we do not charge any fees unless we recover for you. We are Maryland auto accident attorneys who have been helping those injured in Maryland auto accidents for 20 years.