If you are injured in a car accident, you may use your own insurance policy’s personal injury protection (PIP) coverage. Maryland’s no-fault insurance law requires every driver to carry PIP, unless they waive the coverage. Fortunately, most drivers carry PIP. You can use this insurance to pay for a portion of medical treatment and lost income right away. Do not wait to seek medical care.
You may also seek treatment using your own health insurance. If your policy pays for your medical costs and you receive compensation through a settlement from the negligent individual’s insurance company, your health insurance may put a lien on your recovery amount to reimburse itself for the costs on your behalf.
Insurance policies can be difficult to understand. It is best to seek the help of an attorney to help you by reviewing your auto or health insurance policies. An experienced lawyer can help you understand what kind of coverage you can expect after an accident.