In the car insurance world, you are likely to hear PIP and MedPay, or personal injury protection and medical payments claims. These are claims that go against an insurance company after an accident. It doesn’t matter who caused the accident, this insurance is for no-fault claims. If you were in a bicycle accident, you may be wondering if PIP or MedPay will cover the accident. The answer is that usually, both of these coverages will help with bicycle accidents. Here is what you need to know.

Coverage Under PIP

PIP covers medical expenses and lost wages. In some states, it may even cover other damages. These payments may go towards the driver, the passengers and in some cases, pedestrians or bicyclists. In most no-fault states, PIP is required in some form or another. If you’re in a bicycle accident and you’re wondering if PIP will pay for your accident, it’s likely that it will.

Coverage Under MedPay

Most states are fault insurance states. These states always have MedPay coverage. MedPay covers drivers, the passengers and any pedestrians or bicyclists involved in an accident. When it comes to MedPay claims, you don’t have to wait until medical treatment is complete to start making claims. You can send bills as they come to you.

MedPay Versus PIP

Some people may have MedPay, while others have PIP. In some cases, a person may have both coverages. If you’re in a bicycle accident, it’s important to know that PIP is considered primary and will pay first. MedPay kicks in once the PIP benefits have been completely exhausted.

Usually, when it comes to PIP or MedPay car insurance, it is the first line of defense to pay for medical bills after an accident. When a car strikes a bicycle, this insurance will pay for those injuries. Now, if PIP or Medpay pays for your medical bills and you later recover damages, you may have to repay the insurance company for those benefits.

If you’re in a bicycle accident, PIP and MedPay will cover the accident. If you think that you are owed damages for your bicycle accident, then you may want to contact an attorney to ask more questions. Whenever you are involved in an accident, you need to do more than simply contact insurance companies. You also should contact a lawyer to make sure that you get your fair share of award for medical bills and other compensation. Contact a bicycle accidents lawyer today!