PIP Wage Loss: How Does It Work? If you have been unable to work for at least 14 days as a result of injuries from an auto collision, your PIP carrier (your auto insurance company or the same one that is providing your medical bill coverage) can open a wage loss claim for you. PIP benefits provide wage loss coverage in the amount of 70% of your regular earnings or up to $3,000.00 per month. That coverage can be provided for up to 52 weeks. If you have questions about PIP wage loss, if you need to open a PIP wage loss claim, or if your PIP carrier is refusing to make wage loss payments, it is a good idea to contact a personal injury attorney.