Personal Injury Protection in Rockville, MD

PIP & Uninsured Motorist Issues in Montgomery County, MD

The law firm of Sussman & Simcox knows how confusing, frustrating, and stressful life can be after a serious motor vehicle accident. We’ve helped many people just like you obtain the benefits you deserve after being involved in an auto accident. After being involved in a collision,  most people just want their life to return to normal as quickly as possible. Unfortunately, insurance companies promise to help, but often stand in the way. If you were involved in an auto accident near Gaithersburg, MD and are now having trouble understanding or obtaining available benefits under your uninsured motorist coverage or personal injury protection (PIP) insurance, we know what to do!

Personal Injury Protection Insurance

Many motorists are unaware of how PIP works. Personal injury protection is a no-fault coverage that is used to pay for mounting medical expenses and lost wages suffered in connection with a motor vehicle collision.  It’s not a requirement to buy PIP insurance, but Maryland law says that insurance carriers must offer it to you. If you don’t want PIP insurance, your insurer must obtain a signed waiver from you that states that PIP was offered to you, but you refused it.  There are also times when PIP is available to you as a passenger in someone’s else’s car.

Uninsured & Underinsured Motorists’ Coverage in Maryland

Any accident caused by an uninsured or underinsured motorist can lead to big problems for those who are injured. Victims can obtain compensation for medical costs and lost wages from their insurer in these cases. This coverage has many unique features and requirements, and will often pit you against your own insurance company.  Many of our clients are astounded by the treatment they receive by their own insurance company after being a loyal policyholder for years.  This is why you need the experienced attorneys at Sussman & Simcox on your side.

What is PIP Insurance?

Personal Injury Protection (PIP) insurance is a type of auto insurance that pays for expenses you or your passengers encounter after being injured in a car accident, no matter who was at fault. This may be referred to as no-fault car insurance or first-party benefits coverage.

What Does PIP Insurance Cover & Not Cover?

Personal Injury Protection insurance only pays for expenses that you occur as a result of you, your passengers, or someone insured by your policy being injured in a car accident when no fault can be established. All expenses must be injury-related. This means that property damage is not covered by PIP. PIP insurance may cover medical bills, lost wages, death benefits, funeral expenses, and other essential services.

How Much PIP Insurance Do You Need?

You’ll need to purchase the amount of PIP coverage required by your state. PIP coverage in Maryland starts at $2,500.  You may opt to purchase more to ensure you’re covered after a serious collision.

What To Do If You Don’t Want PIP Insurance?

PIP coverage is required in no-fault states. Maryland does not require drivers to carry PIP insurance, but does require that your insurance provider offer you a minimum of $2,500 when writing your auto insurance policy. You may decline the coverage, but must do so in writing on an approved form.

What Is a PIP Claim?

A PIP claim is the claim that you file against your own insurance company for the payment of medical bills and lost earnings. Your insurer pays your medical bills and may reimburse you for all or some of your lost earnings. Lost wages are paid up to your state’s no-fault limit or up to the amount of your claim, whichever is lower.

How Does a PIP Claim Work?

PIP claims can be complicated, which is why it’s recommended that you hire the experienced team at Sussman & Simcox to handle all aspects of your case. If you were involved in an auto accident and the other driver was at fault, we can assist in filing a PIP claim. In many cases, you would start a PIP claim and submit your incurred medical bills until your PIP limit is reached.  Additional bills after that can be submitted to your health insurance company.  PIP is different than health insurance in that there is no co-pay requirement for you pay medical bills under PIP.

How a PIP Attorney Can Help

As you can now tell, PIP insurance can be quite complicated. An experienced attorney can help you work through a PIP claim. A lawyer will represent you if you’ve been injured in a car accident.  Insurance companies have a horrible habit of underpaying or refusing to pay.  You need an aggressive, experienced attorney on your side to walk you through the PIP process and make sure all parties involved are doing what they’re supposed to be. A experienced  attorney will assist you in being treated after accidents and getting the proper payments you’re entitled to.

Why Choose Sussman & Simcox: Attorneys at Law for Personal Injury Protection?

At Sussman & Simcox, we know how insurance companies operate and can deal with them effectively.  Our firm used to handle collision litigation on behalf of some of the biggest insurers in the state, and are well versed in how the companies think and behave.   We’re here to minimize the stress that life after an accident can bring, by taking care of the necessary paperwork and coordinating the various benefits that might be available to you.   We’d be happy to provide you with a free consultation. We offer flexible appointment times and can travel to meet with you if necessary. We receive no fees unless we are able to obtain a verdict, award, or settlement on your behalf. We handle cases throughout Montgomery County, including Rockville, Gaithersburg, and Germantown. Contact us today to schedule your free consultation.


Experience On Your Side

  • Hundreds of Cases Tried
  • Free Confidential Consultations
  • 40+ Years of Combined Experience
  • Millions of Dollars in Settlements & Verdicts
  • Serving Clients across the State of Maryland

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