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Sometimes the adjuster will use the words “PIP” or “Med-Pay”. Most, but not all, insurance policies include this coverage. Whether or not the accident was your fault, the insurance company covering the car you are driving or riding in will pay Med-Pay/PIP benefits to you. If you were a pedestrian, call the insurance company of the car that hit you. To get these benefits, you should call your own insurance company (or the insurance covering the car you were in). Ordinarily, you do not need an attorney to receive these benefits, and these benefits should be paid no matter who was at fault for the accident.

PIP or Med-Pay insurance usually pays for 4 things:

1. Medical Expenses: Usually, the insurance company will pay the first few thousand dollars of your medical expenses. This is the minimum amount they will pay. You could be entitled to more if the policy allows for it.
2. Wage Loss: If you were employed at the time of the accident and lost time from work because of the accident, you are probably entitled to lost wage benefits.
3. Household Expenses: If you are unable to perform your regular household chores or need assistance, you may be entitled to certain benefits.
4. Death Benefit: In case of a death, the heirs are probably eligible for a death benefit, plus funeral expenses.

IMPORTANT: The careless driver’s insurance company must generally pay your insurance company back for the PIP/Med-Pay benefits paid to you. If you are not careful, however, you might accept a settlement, thinking that all the money goes in your pocket – only to learn that a significant amount of the settlement actually goes to the insurance company to repay these benefits.

You have every right to wait for the insurance company’s offer before calling an attorney. However, in the meantime:

1. The insurance company will want to take recorded statements from you and other persons involved in the accident.
2. You will want to have appropriate representation to safeguard your interests in this phase of the case.
3. The insurance company may also attempt to make use of medical release forms which they are not entitled to use.
4. Information a lawyer might use to benefit your case may become unavailable or lost by the time you seek legal counsel.
5. The insurance company is working on the case within days of the accident occurring. You should also have appropriate representation as soon as possible so that your interests are safeguarded.

At Benzion Law Group, if we take your case, we guarantee that we will get more money for you (even after our fee has been deducted) than any amount you have already been offered by an adjuster, or we’ll take no attorney fee.

Benzion Law Group can often negotiate with your medical providers to delay collection actions until you get your settlement. Sometimes, we can even help you find other available medical insurance that you did not know about.

You don’t. The fair settlement value of your case is dependent on many factors and considerations. Remember, the insurance adjuster works for the insurance company – not for you. The adjuster’s job is to get the lowest possible settlement. Our attorneys are knowledgeable, experienced, and advocating for you. Our job is to get the highest possible settlement for you.

This is probably because insurance settlements handled without an attorney tend to be significantly cheaper for the insurance company. Some people make settling their claim a “do it yourself” project to save money. However, a good attorney can often point out rights and remedies you are entitled to (which the insurance company is not likely to tell you about). When it is time to negotiate, a well-prepared attorney will be able to demand a much larger settlement using his or her knowledge of your unique case and injury law – both of which the adjuster will not be able to compete with. Let the professionals at Benzion Law Group help you through this complicated process.