What Is PIP and How Does It Work in Maryland and D.C.?
- Falodun Law
- 7 days ago
- 2 min read
After a car accident, the stress of medical bills and lost income can quickly become overwhelming. Fortunately, Personal Injury Protection (PIP) coverage may help you recover financially—no matter who was at fault.
At Falodun Law, we help injured clients across Maryland and Washington, D.C. understand and maximize their PIP benefits. Here's what you need to know to protect your rights and get the compensation you deserve.
What Is PIP?
Personal Injury Protection (PIP) is no-fault auto insurance that pays for certain accident-related expenses—such as medical bills and lost wages—regardless of who caused the crash.
PIP coverage is one of the fastest ways to get money in your hands after an accident. And it may apply even if you're a pedestrian or passenger.
PIP Can Help Cover:
Emergency room bills and ongoing medical treatment
Physical therapy and rehabilitation
85% of lost wages due to missed work
Services like child care or home assistance if you’re injured
PIP Coverage in Maryland
In Maryland, PIP is optional, but it is automatically included unless you waive it in writing when purchasing auto insurance.
Key Points for Maryland Drivers:
Typical coverage amounts: $2,500, $5,000, or more
Applies to: Drivers, passengers, and household members—even as pedestrians
Benefits paid regardless of fault
Lost wages covered up to 85% of your gross income
🔍 Pro Tip: Many drivers are surprised to learn they waived PIP to save on premiums. We’ll review your policy for free—just give us a call.
PIP Coverage in Washington, D.C.
Washington, D.C. is a no-fault jurisdiction, but it offers a unique choice: You can either file a PIP claim or preserve your right to sue the at-fault driver.
Once you pick one, you generally cannot pursue the other.
Key Facts for D.C. Residents:
PIP is mandatory unless waived
Typical limits: Up to $50,000 for medical expenses; $12,000 for lost income
Must choose between filing a PIP claim or filing a personal injury lawsuit
⚠️ Important: If your injuries are serious or involve long-term treatment, a lawsuit may offer greater compensation than a PIP claim. We can help you decide which option makes sense for your case.
Why Do PIP Claims Get Denied?
PIP is designed to provide fast relief, but insurance companies don’t always make it easy. Common issues include:
Claims denied for technicalities
Delays due to “missing documentation”
Disputes over whether treatment was necessary
At Falodun Law, we don’t let insurers stall or underpay. We file the claim, handle communications, and fight for full benefits—so you don’t have to.
How Falodun Law Can Help
Whether you're navigating PIP coverage or exploring a personal injury lawsuit, you don’t have to go it alone.
At Falodun Law, we:
Explain your options clearly and quickly
Deal with insurance adjusters on your behalf
Help you get compensated fast—and pursue a lawsuit if needed
You deserve to focus on healing. Let us handle the rest.
Contact Us Today
If you were injured in a car accident in Maryland or Washington, D.C., we’re here to help. Contact Falodun Law today for a free case review.
📍 Falodun Law
8850 Stanford Blvd., Ste. 2900, Columbia, MD 21045
📞 (301) 289-7737
