Maryland Personal Injury Protection (PIP)

In the state of Maryland, motorists have the option to purchase personal injury protection (PIP) as part of their auto insurance policies. PIP benefits provide quick coverage of medical expenses if you are injured in a car accident in Silver Spring MD or Gaithersburg MD, regardless of who is to blame. For this reason, PIP is also referred to as “no-fault coverage.” Every car insurance company in Maryland must offer PIP coverage to their policyholders. By default, PIP coverage starts at $2,500 with the option to increase coverage if you so desire. This means that most people involved in an auto accident are entitled to having up to $2,500 of medical expenses covered by their PIP coverage - regardless of whether or not you are at fault. Therefore if you have been involved in an auto accident and are injured, you may receive care at Palmer Chiropractic Clinic at no out of pocket cost to you!

PIP Coverage For Children

Additionally, all children under the age of 16 are automatically granted PIP coverage regardless of whether or not the policy holder has purchased PIP coverage. So if you have children who were in your car, please be aware that they are automatically entitled to medical care at no cost to you.

Lastly, using your PIP coverage does NOT affect your insurance premium! We understand that many of our patients are worried about auto accidents causing the price of your insurance premiums to increase. Fortunately, you do not have to worry about that in this case.