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Can Too Much Insurance Be A Problem In Car Accident Cases?

Can Too Much Insurance Be A Problem In Car Accident Cases?

A: I’m Ron Zimmet Jr of the Law Firm Zimmet and Zimmet.   As an attorney handling auto accident cases, I often see the tragedy of people injured with little or no insurance to pay for their medical bills, lost wages and other damages. Sometimes I see the opposite. Sometimes I see people injured in accidents that have multiple insurance policies that provide the same benefits to people injured in car accidents. How the injured person handles these insurance policies sometimes can result in thousands of dollars of difference in their auto claims.

One example of this is when a person is injured in a car accident while in the course and scope of his or her employment. In this situation, the injured worker often has workers compensation benefits available and Personal Injury protection benefits. The decision of which policy to use depends on each case because every factual situation is different. Both Policies offer benefits for lost wages and medical expenses. One major difference between the policies is that PIP or personal injury protection does not have a lien on any future Bodily Injury settlement. This is important because if a settlement is reached with the Bodily injury carrier, the workers compensation carrier will ask to be reimbursed for the money they have spent. PIP will not. It is also important to know that an injured person can use the PIP benefits to pay the workers compensation lien. If you have questions about this topic or any other personal injury question, don’t hesitate to call us at 386 2554020.



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