Can you exhaust your PIP limits?

What would happen if my medical expenses are more expensive than my PIP coverage? I have $15,000 in PIP coverage. Would I not be able to submit another claim in the future?

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Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Most car insurance coverage and limits are based on a per person and per accident basis. If you’re injured in an accident and have medical expenses over $15,000, your insurance would only pay up to that.
After that, you or your health insurance would be responsible for the remaining costs. If you weren’t at fault in the accident, the other driver’s bodily injury liability could also cover any additional medical costs you may have.
You’ll need to look into your policy to determine what your PIP claim terms and conditions are. Some carriers have a limit on the amount of PIP claims you can submit as well as a limit on the amount they’ll pay out. You’ll want to confirm with your insurer about PIP limitations and whether it’s on a per accident basis.”
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