PIP benefits typically include: medical bills, up to 85% of lost wages for up to three years, household replacement services, and in tragic cases, survivor’s loss—regardless of who was at fault. Deadlines matter: generally you must give written notice of a PIP claim within 1 year of the crash, and lawsuits have “one-year-back” limits on what you can recover. There are exceptions if the insurer has already paid benefits, but don’t rely on that—notify promptly. 

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