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PIP-Personal Injury Protection

PIP-Personal Injury Protection . Debra Lawhead, AIC, CPIW Insurance Coverage Administrator. What is PIP? . A protection carried on all Delaware registered vehicles. Title 21 §2118 By law minimum coverage is $15,000 for one person and $30,000 for all persons injured in any one accident.

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PIP-Personal Injury Protection

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  1. PIP-Personal Injury Protection Debra Lawhead, AIC, CPIW Insurance Coverage Administrator

  2. What is PIP? • A protection carried on all Delaware registered vehicles. Title 21 §2118 • By law minimum coverage is $15,000 for one person and $30,000 for all persons injured in any one accident. • State of Delaware limits are 25/300 • This coverage applies to each occupant of the Delaware registered vehicle

  3. Auto Accident • An auto accident should be reported to the Insurance Coverage office within 24 hours • The auto accident form can be located on the Insurance Coverage Website or be obtain from Fleet Services or Insurance Coverage Office

  4. Why do we pay PIP? • Under case law PIP is primary and workers’ comp is secondary • The person was injured in a automobile

  5. PIP Application • PIP application and Statute letter are sent out to the employee and a carbon copy is forwarded to the HR Department • Statute letter states there is a 2 years limitation. • The PIP application is needed before a claim can be considered for payment

  6. Wage and Salary Verification • Wage and Salary verification form is needed if an employee is losing time. • Insurance Coverage Office sends it to the HR Dept for completion • A copy of the check register and disability slips are to be forward to the Insurance Coverage Office

  7. WAGES • Wages are NET wages. • Net plus deductions x 26 divided by 52 = AWW • No limit . • You recoup just like comp • You charge sick/annual leave just like comp • Salary supplement just like comp

  8. How do you know what’s been Paid? • A copy of the Payment Voucher is faxed to the HR Dept so you can do the recoup. • A copy of how the calculations are done is fax to the HR Dept.

  9. What PIP does not Pay • Does not pay permanency • Does not pay mileage

  10. Work Comp/PIP combination • An attorney or employee can request the benefits to be paid between both programs • Example: • Meds under W/C Wages under PIP • Meds and wages under W/C difference paid under PIP • We can recoup both the work comp and PIP moneys

  11. QUESTIONS Thank You

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