by Guest » Tue May 11, 2010 09:20 pm
I was hit by a drunk driver without insurance. My uninsured coverage is picking up the claim. I also have pip which I am using for med coverage. The insurance company is making an offer for bodily injury minus my pip. I thought those coverage's were separate. Please advise.
Posted: Tue May 11, 2010 09:45 pm Post Subject:
Depends on the state and if PIP has any type of recovery rights.
Look at it this way... treat the UMBI claim as if it were the other person's carrier. Would your insurance company be able to collect from them for the amount they paid under PIP?
Posted: Tue May 11, 2010 10:40 pm Post Subject:
If your injuries are being covered with your personal medical insurance, the value of those bills may be recovered from the PIP or BI payments you receive from an auto policy under the principle of subrogation.
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