PIP Is Your Medical Safety Net

Personal Injury Protection — called PIP or "no-fault" — is mandatory on every New York auto policy. After a car accident, PIP pays your medical bills regardless of who caused the crash. You don't wait for a fault determination or fight with the other driver's insurer.

⚠️ 30-Day Deadline: You must file your PIP claim within 30 days of the accident or risk losing all benefits.

What PIP Covers

New York's minimum PIP is $50,000 per person per accident. It covers:

  • All medical expenses — evaluation, imaging, chiropractic, PT, surgery
  • Lost wages — up to $2,000/month (80% of weekly wages)
  • Transportation to medical appointments
  • Death benefit — up to $2,000

How PIP Works at MAIC

MAIC's billing team handles everything. You provide your insurance info at intake; we file directly with your carrier. You receive full treatment — evaluation, imaging, specialist visits — at zero out-of-pocket cost.

MAIC is a PIP-authorized provider. We bill your no-fault carrier directly. No copays. No bills. Call (718) 000-0000 for same-day appointments.

PIP vs. Personal Injury Lawsuit

PIP pays your medical bills through your own insurer. A personal injury lawsuit — handled by your attorney — pursues pain and suffering, future loss, and other damages from the at-fault driver. These are separate processes. Filing PIP does not prevent a lawsuit.

What If PIP Runs Out?

If bills exceed your $50,000 PIP limit, options include excess coverage through your health insurance, treatment on a lien basis through your attorney, or additional PIP coverage if you purchased it. MAIC's billing team helps you navigate your options.