Austin PIP and MedPay Attorneys

The difference between PIP and MedPay Coverage

Personal Injury Protection (PIP) and MedPay are no-fault accident insurance policies sold with car insurance.  You must reject PIP in writing with your insurance company, or they owe it. The main difference between Personal Injury Protection and MedPay is that PIP covers reasonable and necessary medical expenses and 80% of your lost time from work up to the PIP policy limit.  It is possible to stack PIP insurance policies to recover more money for your medical bills and lost wages.

Often, your own insurance company will wrongfully reduce the PIP payments they owe. There are ways to make them pay what they owe, and Allison & Ward can help. If you feel like your own insurance company is playing games and mistreating you, give us a call.

More on MedPay

MedPay is an accident insurance policy that covers reasonable and necessary medical expenses up to the policy limit. It does not cover lost wages.  Once you receive a judgment or settlement against the negligent party, your PIP insurance does not get its money back. MedPay does have a right of subrogation—a right to be paid back what it has paid. If you have been denied coverage or have questions regarding PIP or MedPay, contact our Austin injury attorneys so that we can discuss the specific facts of your case.