Understanding the difference between Personal Injury Protection and Medical Payments Coverage is crucial to getting your insurance right. So here’s how to tell whether you need one or the other:


This type of insurance covers the cost of your medical as well as other injury-related expenses, regardless of whether the accident was your fault or not. You can expect coverage for the following damages: medical expenses along with future rehabilitation costs, funeral expenses if the accident resulted in death. Coverage also includes lost wages, child care along with housekeeping fees and survivor’s loss if the accident claimed the life of the primary breadwinner in the family.


While this insurance policy works in a similar way to the PIP, it’s coverage is less comprehensive. It’s optional in all but two states across the country and only covers your medical expenses or those of any of the drivers listed on your policy along with any of your household members and passengers. A MedPay insurance is typically expected to cover immediate costs, with the rest of your expenses covered by your health coverage.

Which one?

You never know how much coverage you need. But if you want all your legal bases covered, it might be wiser to opt for a PIP insurance coverage in Miami . That way, if you ever find yourself the victim of an accident or malpractice, you and your family would have all the financial assistance you need to recover and move on. This is especially helpful if the accident leaves you in the hospital with critical or grave injuries.

Getting Help

If your injuries are serious and the medical bills are piling up, reach out to a PIP attorney right away. A PIP lawyer, especially one who specializes in medical malpractice claims, will know what to do to get the legal process started. Here’s what you can expect from hiring one:

  • Legal help and advice. Your lawyer can guide you through the process, from exploring your options to filing a claim.
  • Your lawyer—especially one who specializes in medical malpractice cases—will know what nuances to look for to ensure a speedy resolution for your case.
  • They have the core knowledge to determine all the damages you’re entitled to so you won’t get tricked by an insurance provider trying to get you to sign an unfair settlement.

So if you want the option that provides for your needs the most, go for PIP coverage. Consult a PIP attorney for more details. Contact us at Shuster & Saben LLC today.

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