Truck accident victims often suffer serious injuries, and a natural consequence of serious injuries is the inability to return to work, temporarily or permanently. This article discusses how PIP claims are made to recover lost pay and what happens if PIP coverage is unavailable or exhausts, i.e., runs out. Click here for part 1 of this article which discusses lost pay and PIP coverage law in Pennsylvania.
Truck Accidents in PA – How to Make PIP Claims for Lost Pay
Making a PIP claim can be complex. The first step is to contact the auto insurance company. It is important to note that there must be medical documentation to support the inability to work. A medical doctor must provide a note to support the claim, i.e., that the injuries caused a temporary or permanent disability which prevented returning to work.
After the PIP claim is opened, the insurance company will send various forms which should be filled out immediately, such as: PIP claims forms, authorizations to obtain medical information and employer information, as well as, an employer statement to document the pay rate.
Once the claims forms are returned, the insurance company will begin issuing checks to the injured insured. There is a five day waiting period and depending on the insurance policy, subsequent documentation may be required from medical providers, especially in cases where the injuries result in long term disability.
Filing a Truck Accident Lawsuit to Recover Lost Pay
In most truck accident cases, the injured individual will have no choice but to take the truck driver and the truck company to court. This means filing a civil lawsuit to recover the damages caused by the accident. In a truck accident lawsuit, the plaintiff (injured individual) makes a claim for all damages caused by the truck driver’s negligence. Lost pay is just one of the different types of claims for damages. Other damage claims include medical bills and pain and suffering.
Claims for lost pay in truck accident lawsuits often include future lost pay. For example, someone who suffers a permanent injury and can no longer work or can only work part time, can include a claim for the future loss of income, which will occur over the course of the individual’s entire life. Forensic economists may be required to essentially crunch the numbers and also provide an estimate of the loss of other employment related benefits, such as fringe benefits. Click here for an in depth explanation of three situations when a truck accident victim would file a lawsuit to recover lost pay.
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For more information, contact our Pennsylvania truck accident lawyers. Our attorneys serve car and truck accident victims in the following areas: Allegheny County, PA; Berks County, PA; Bucks County, PA; Chester County, PA; Delaware County, PA; Lehigh County, PA; Montgomery County, PA; Northampton County, PA: Philadelphia County, PA; Atlantic County, NJ; Burlington County, NJ; Camden County, NJ; Cumberland County, NJ; Gloucester County, NJ; Salem County, NJ; New Castle County, DE; Kent County, DE; Atlantic City, NJ; Philadelphia, PA; Pittsburgh, PA; Newark, NJ; Doylestown, PA; Media, PA; West Chester, PA; Norristown, PA; Camden, NJ; Wilmington, DE; Newark, DE; Georgetown, DE; and New Castle, DE. Our lawyers can obtain special admission in other states on a case by case basis.
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