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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

PIP-Personal Injury Protection

Debra Lawhead, AIC, CPIW

Insurance Coverage Administrator

what is pip
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
auto accident
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
why do we pay pip
Why do we pay PIP?
  • Under case law PIP is primary and workers’ comp is secondary
  • The person was injured in a automobile
pip application
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
wage and salary verification
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
wages
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
how do you know what s been paid
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.
what pip does not pay
What PIP does not Pay
  • Does not pay permanency
  • Does not pay mileage
work comp pip combination
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
questions

QUESTIONS

Thank You