Your PIP insurance is responsible for paying for your wage loss. Remember, you only get to make one claim with the at-fault party’s insurance company, and therefore you may need help with your lost wages before you make the claim against the at-fault party. At Patterson, Gott & Burk, LC, we will look at all applicable insurance policies to determine if you have any short-term disability insurance that may help with your wages temporarily until you are able to get back to work. It is important to document any time-off from work that you may have as a result of injuries sustained in the accident.