Does Personal Injury Protection (PIP) Cover Collisions With Any Object?

Personal Injury Protection (PIP) is a form of auto insurance coverage designed to pay for accident-related costs if you or your passengers are harmed in a car accident, regardless of who is at fault. In Virginia, drivers can opt for PIP coverage, which is also known as Medical Expense coverage.

So, does personal injury protection cover collisions with any object? PIP covers medical bills for injuries resulting from a car accident, whether you collide with another car, a stationary object like a tree, or another type of single-car incident. However, the specifics of your coverage can get complicated, and that’s why your first call should be to a Virginia car accident lawyer. The law firm of Geoff McDonald & Associates can provide valuable support, so please contact us today at (804) 888-8888.

Understanding PIP Coverage in Virginia

Virginia is an at-fault auto insurance state and PIP coverage isn’t mandatory. However, drivers are advised to purchase PIP as an add-on to their auto insurance policy. When included, PIP serves as a “no-fault” safety net, meaning it covers your medical costs and lost income regardless of who bears liability for the collision. So, what does this mean for collisions with various objects? 

When it comes to a collision with another vehicle, PIP steps in to cover your medical expenses and possibly lost wages, up to your policy’s limits. You can receive lost wages coverage of up to $100 per week until you can return to your usual occupation, for a maximum of one year.

Also, when you collide with a stationary object such as a tree, pole, or guardrail, PIP usually covers your injuries in these scenarios as long as the incident qualifies as a motor vehicle accident. PIP also chips in to cater for damages in single-car accidents. This means even if you lose control and crash without hitting another object, PIP can still apply to cover your bodily injuries.

However, PIP has coverage limits. It doesn’t cover property damage like repairs to your car or injuries to others outside your vehicle, such as a pedestrian you might hit. For those, you’d rely on liability or collision coverage. Additionally, policy terms might include exclusions like intentional acts or illegal use of the vehicle that could affect your claim.

The Value of a Car Accident Lawyer

While PIP is meant to simplify recovery by providing quick access to funds, the claims process isn’t always straightforward. Also, it is not uncommon for insurers to dispute the extent of your injuries, delay payments, or offer less than you’re entitled to under your policy. That’s why working with a car accident attorney is highly recommended. Here are some ways a lawyer can help you regarding Medical Expense coverage:

• A lawyer can examine your insurance policy to clarify what’s covered, ensuring you don’t miss out on benefits.
• They’ll guide you through filing your PIP claim accurately and on time, avoiding common pitfalls.
• If your insurer pushes back, a lawyer can negotiate to secure the full compensation you deserve.
• In Virginia’s at-fault system, if another party caused the accident, a lawyer can also pursue additional damages from their insurance, beyond what PIP covers.

Car accidents often leave the victims overwhelmed with pain and suffering, and dealing with insurance adds another layer of stress. An attorney maximizes your PIP benefits and helps manage related personal injury claims, giving you peace of mind during a challenging time.

Call a Virginia Car Accident Lawyer for Assistance

While personal injury protection can cover collisions with any object, the details matter. An attorney from Geoff McDonald & Associates can facilitate your understanding of personal injury protection coverage and explain how it applies to your unique case. To understand your policy and ensure you receive the necessary support following a collision with an object, contact our car accident attorneys today online or call (804) 888-8888. We will advocate for your rights and help you recover what you deserve.