View Our New Office in Ellicott City
flag flag flag
Back To FAQs

If I Make A Personal Injury Protection Coverage Claim (PIP), Can My Insurance Company Raise My Premiums?

NOTE: the following is not legal advice. If you have questions about your specific case, right to make a PIP claim or how to make a PIP claim, please consult with an attorney.

Generally speaking: Personal Injury Protection is a form of coverage offered to purchasers of motor-vehicle insurance and is governed by Maryland laws and the Maryland Insurance Code. The main function of PIP coverage is to serve as a way to help injured parties obtain reimbursement or payment for medical bills and monetary loss due to injury after an accident.  In the State of Maryland, PIP coverage is mandatory. That is, insurance companies are required to provide this basic form of coverage to all applicants at the time they apply for insurance unless those individuals choose to affirmatively waive coverage.  Pursuant to Maryland laws, which dictate the amount of coverage that must be provided, an insured who elects not to waive PIP coverage should expect that their automobile policy will hold at minimum, PIP coverage of up to $2,500.

Historically, there was always the potential that an insured individual could sustain a policy premium increase when making a PIP claim against his or her own policy. Insurance companies can and will raise premium rates for a variety of reasons. However, recognizing that insurance carriers were able to penalize insured individuals for benefits they were paying for, the State of Maryland in 2009 passed a law rectifying this matter.

In 2009, the Maryland General Assembly amended § 19-507(c) of the Maryland Insurance Article to prevent Insurers from raising insurance rates after a claim is made under this portion of the policy. The chief aim of this law is thus protect the rights of an injured person to make a claim for payment of medical expenses on their own insurance policy without the fear that their insurer will retaliate and raise their insurance rates. It protects their rights by enforcing the rule that a policy premium cannot be increased should a PIP claim be presented on your personal automobile insurance policy. The full changes to the law are summarized in a memorandum by the Maryland Insurance Administration and can be read here.

Our Results
4.2 Million Dollar Settlement For Family Of Victim Who Died In A Train Crash In Baltimore Maryland.
4 Million Dollar Settlement For Family Of Victim Killed In Maryland Motor Vehicle Accident (Wrongful Death).
$1,250.000.00 Settlement For A Motorcyclist Who Was Wrongfully Killed In A Maryland Motorcycle Accident.
Popular Blog Posts Posted on: December 17, 2012 you or a loved one… Keep reading Please note: the following is not legal advice. Do not… Keep reading When you eat out at a restaurant, you’re, in most… Keep reading
Service Area from Baltimore, Maryland to Northern Virginia you can count on us to stand up for you. Give us a Call:
Arlington County Clark County Fairfax County Fauquier County Fredericksburg County Loudoun County Prince William County
Arlington Chantilly Fairfax Falls Church Herndon Lorton Manassas McLean Richmond Alexandria Ashburn
Annandale Centreville Dale City Dumfries Leesburg Reston Springfield Tyson’s Corner Vienna Woodbridge
Anne Arundel Baltimore City Baltimore County Carroll County Frederick County Harford County Howard County Prince George’s County Montgomery County
Annapolis Arbutus Baltimore Bel Air Bethesda Bowie Cambridge Catonsville Centreville Columbia Dundalk Easton Ellicott City Essex Ferndale Frederick Ft. Meade Gaithersburg
Germantown Glen Burnie Greenbelt Hanover Hyattsville Laurel Linthicum Ocean City Olney Owings Mills Pasadena Randallstown Rockville Salisbury Severn Silver Spring Takoma Park Towson