Q: Trying to make a personal injury claim against the at-fault driver ins policy. They told me I must meet a $5000 PIP?!
Accident occurred in HI. Insurance carrier for at-fault driver is AAA.
A: A Hawaii attorney could advise best, but your question remains open for four weeks. I can't speak for Hawaii's PIP (personal injury protection) system - only your state's local attorneys could advise on that. I can say that different states can impose their state-specific thresholds for moving forward with a bodily injury claim. As a general matter, these thresholds are in place to prevent lawsuits based on superficial injuries. Sometimes the threshold could be in the form of meeting what's called a "serious physical injury," or in the form of breaching a given figure on PIP or no-fault benefits. It's possible the latter (PIP-based threshold) could be the case for your situation, but I don't know and I can't advise on your state's laws - you should get definitive guidance from a local attorney. My recommendation is to try to arrange a free initial attorney consult on your accident - that's a courtesy extended nationwide by most law firms on these types of cases. Good luck
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