{"id":2487,"date":"2016-09-15T00:00:00","date_gmt":"2016-09-15T00:00:00","guid":{"rendered":"http:\/\/kecheslaw.wpengine.com\/uncategorized\/should-i-take-a-pip-deductible\/"},"modified":"2020-06-10T18:00:02","modified_gmt":"2020-06-10T18:00:02","slug":"should-i-take-a-pip-deductible","status":"publish","type":"post","link":"https:\/\/kecheslaw.com\/es\/noticias\/deberia-aceptar-un-tubo-deducible\/","title":{"rendered":"\u00bfDebo asumir una franquicia PIP?"},"content":{"rendered":"<p><strong>\u00bfDebo asumir una franquicia PIP?<\/strong><\/p>\n<p>En resumen ' \u00a1NO! Las prestaciones PIP o de protecci\u00f3n contra lesiones personales forman parte del sistema limitado sin culpa para los accidentes de tr\u00e1fico en Massachusetts. Si se lesiona en un accidente de tr\u00e1fico, a menos que muera, sufra una fractura, pierda una parte del cuerpo o una funci\u00f3n importante, o sufra una desfiguraci\u00f3n, debe incurrir en $2.000 en facturas m\u00e9dicas para poder presentar una reclamaci\u00f3n por dolor y sufrimiento contra la parte negligente. V\u00e9ase https:\/\/malegislature.gov\/Laws\/GeneralLaws\/PartIII\/TitleII\/Chapter231\/Section6D. La idea que subyace al umbral de responsabilidad civil de $2.000 es limitar las reclamaciones y demandas cuando s\u00f3lo ha habido una lesi\u00f3n menor. Pero para proporcionar alg\u00fan medio de recuperaci\u00f3n, tanto si las lesiones son leves como si no, la cobertura de protecci\u00f3n contra lesiones personales de tu propia p\u00f3liza te proporciona a ti y a tus pasajeros (as\u00ed como a los peatones y ciclistas que atropelles) hasta $8.000 para hacer frente a los salarios perdidos y las facturas m\u00e9dicas (y, en ocasiones, a la sustituci\u00f3n del cuidado de los ni\u00f1os), independientemente de que la culpa sea tuya o del otro conductor. https:\/\/malegislature.gov\/Laws\/GeneralLaws\/PartI\/TitleXIV\/Chapter90\/Section34M<\/p>\n<p>Si tiene un plan de salud p\u00fablico o un plan ERISA, el PIP pagar\u00e1 hasta $8.000 de facturas m\u00e9dicas. Si tienes un seguro m\u00e9dico privado, el PIP pagar\u00e1 los primeros $2.000 de las facturas m\u00e9dicas, pero luego tambi\u00e9n cubrir\u00e1 las partes de tu factura que tu seguro m\u00e9dico no paga, por ejemplo, los copagos. A menudo, los hospitales o los m\u00e9dicos intentan presentar sus facturas directamente a la aseguradora PIP para que las pague. Pero es posible que necesites esa cobertura PIP para hacer frente a la p\u00e9rdida de salarios. PIP pagar\u00e1 hasta 75% de su capacidad de ganancia perdida si un m\u00e9dico ha justificado su incapacidad para trabajar. Si usted vive de cheque en cheque, los beneficios de PIP pueden ser la \u00fanica balsa salvavidas que lo mantiene a flote inmediatamente despu\u00e9s de una lesi\u00f3n. Sin embargo, recuerde que s\u00f3lo hay un total de $8.000 en prestaciones PIP para hacer frente tanto a las facturas m\u00e9dicas como a los salarios perdidos. Por lo tanto, si no tienes paga por enfermedad, vacaciones o seguro de incapacidad, es crucial que presentes las notas de incapacidad de tu m\u00e9dico y los registros de ingresos a la aseguradora PIP lo antes posible para que puedas obtener la mayor parte posible de los $8.000 por salarios perdidos.<\/p>\n<p>Aunque la cobertura figura en la parte obligatoria de su p\u00f3liza, puede tomar una franquicia de hasta $8.000, lo que le ahorrar\u00eda algo de dinero en la prima pero, obviamente, eliminar\u00eda la cobertura para usted. Si tiene un seguro de enfermedad y muchas bajas laborales, puede pensar que coger la franquicia es una buena jugada. Pero hay inconvenientes significativos para tomar el deducible m\u00e1s all\u00e1 de perder los beneficios iniciales de PIP.<\/p>\n<p>Cuando usted es lesionado por un operador negligente en un accidente automovil\u00edstico, el ajustador de reclamos de la aseguradora de responsabilidad civil evaluar\u00e1 sus da\u00f1os revisando sus registros y facturas m\u00e9dicas, salarios perdidos, etc. Una vez que el ajustador eval\u00faa el valor de sus da\u00f1os totales, \u00e9l o ella entonces deducir\u00e1 la cantidad que usted recibi\u00f3 en beneficios PIP para llegar a la oferta de acuerdo (que es invariablemente demasiado baja y tendr\u00e1 que ser negociada por su abogado).<\/p>\n<p>Sin embargo, surge un problema cuando se ha cobrado una franquicia PIP. La aseguradora de responsabilidad civil est\u00e1 autorizada a deducir la franquicia PIP aunque usted no haya recibido ninguna prestaci\u00f3n PIP. Esto significa que, incluso despu\u00e9s de las negociaciones, nunca recibir\u00e1s una oferta que represente el valor total de tus da\u00f1os.<\/p>\n<p>Si el caso no llega a un acuerdo sino que va a juicio, si el jurado le concede una indemnizaci\u00f3n por da\u00f1os y perjuicios, el abogado defensor presentar\u00e1 una moci\u00f3n ante el tribunal para reducir el veredicto en funci\u00f3n de las prestaciones PIP pagadas o de la franquicia. Por lo tanto, tanto si llega a un acuerdo como si va a juicio, si ha tomado un deducible nunca ser\u00e1 compensado completamente por sus da\u00f1os.<\/p>\n<p>As\u00ed, despu\u00e9s de sufrir las lesiones causadas por el accidente, tienes que sufrir el insulto de que te paguen hasta $8.000 menos de lo que realmente vale tu reclamaci\u00f3n\". Incluso puede tener dificultades para pagar a sus proveedores de servicios m\u00e9dicos.<\/p>\n<p><strong> Moraleja: \u00a1no aceptes la franquicia!<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfDebo aceptar una franquicia PIP? En pocas palabras ' \u00a1NO! Los beneficios de PIP o de protecci\u00f3n contra lesiones personales forman parte del sistema limitado sin culpa para los choques de veh\u00edculos motorizados en Massachusetts. Si usted se lesiona en un accidente automovil\u00edstico, a menos que muera, sufra una fractura, pierda una parte del cuerpo o una funci\u00f3n importante, o sufra una desfiguraci\u00f3n, ...<\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[103],"tags":[],"class_list":["post-2487","post","type-post","status-publish","format-standard","category-news","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.6 (Yoast SEO v20.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should I take a PIP Deductible? - Keches Law Group<\/title>\n<meta name=\"description\" content=\"PIP or personal injury protection benefits are part of the limited no-fault system for motor vehicle crashes in Massachusetts. 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