My fiancé accidentally drove over my foot with her car. It's my fault because I was being a goofball to my toddler who was in the car. A broken foot is preventing me from working, and with one income we are in a bad spot. I'm not sure it would benefit us to hire a lawyer, file the claim to pay for medical bills vs not filing and paying for everything out of pocket. I am filing for short term disability which covers 60% of my base salary.
Your insurance only increases when someone causes an accident. Filing a PIP claim for benefits would not increase your premiums. I understand what you are saying in your description, but you may still have a claim for "pain and suffering" and be able to recovery money for your serious injury.
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