Generally, PIP pays 80 percent of medical bills, not 100 percent and it generally pays to $2,500 or $10,000 depending upon the extent of the injury (see prior blog posts on “emergency medical conditions”). Further, the law allows you to have up to a $1,000.00 deductible, which means that the first $1,000 of medical bills do not get paid and are your responsibility. Some insurance companies offer medical payment coverage, which pays the 20 percent copays.
