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.
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 866-404-MAIC 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.