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How Does Personal Injury Protection Work?

By law, Florida residents that own a vehicle are required to have Personal Injury Protection, also known as PIP, as a part of their automobile insurance coverage. In the event of an accident, PIP pays for your injuries regardless of who is at-fault. 

What Does PIP Cover in Florida?

If you are the insured on your policy, then PIP pays for your injuries if you are hurt in a car accident – whether you are a driver/passenger of your own car or anyone else's. Relatives who live Personal injury protection attorney orlando Florida PIP auto accident with you can qualify for benefits under your PIP, as well as others who are injured while driving or riding in your insured car with your permission. 

If your relative or friend has their own PIP policy because they own a car in Florida, then their own insurance company pays for their injuries even if they are driving or riding in your car.

Some drivers are not required to have PIP for themselves or passengers in specific vehicles. These vehicles include:

The Financial Limitations of PIP

PIP is required in the state of Florida. There is a minimum amount of how much coverage you are required to carry, which differs from state to state, but in Florida you are required to have:
  • $10,000 in PIP
  • $10,000 in property damage liability (if the car accident caused property damage)
Every time you are in a serious car accident your auto insurance will cover you up to your limit of $10,000 or more for:
  • Medical treatments
  • Car repairs
  • Any other damages, such as lost wages and funeral expenses if a death occurs

As the year goes on, you may find yourself in another auto accident. This would certainly seem confusing, but your PIP coverage will essentially restart. You'll get another $10,000 worth of coverage for that car accident, because it is a completely new and separate claim. When you purchase car insurance coverage, it is important to consider the overwhelming medical bills and lost wages that can occur as a result of a catastrophic auto accident. There are certain limitations to PIP that you should also be aware of:

  • If a medical expert determines an injury is a “non-emergency” than your PIP coverage for medical expenses is limited to $2,500.
  • There are also certain treatment options excluded from coverage, including acupuncture and massage therapy.

After you make your decision, an accident attorney at the Coye Law Firm will work to pursue all benefits available under your PIP policy.

What Benefits Can I Get From PIP?

If you're hurt in a car accident, even if it was your fault, you'll probably need medical attention. PIP pays up to 80% of your medical bills or expenses if you use qualified treatment. This includes medically necessary:
  • Medical, surgical, X-ray, dental, or rehabilitative services
  • Prosthetic devices
  • Wheelchairs
  • Crutches
  • Slings
  • Neck braces
  • Splints

You have 35 days to submit documentation and bills regarding your medical treatment to your health insurance company and you have 14 days to seek medical treatment following an accident. The insurance company can avoid paying for your injuries if these deadlines are not met. If the car accident results in the insured driver's death, then their estate is entitled to $5,000 in death benefits.

The Issues With Multiple Cases

The are some problems though with getting into multiple car accidents in one year. For example, if you have a car accident that is particularly serious, your doctor may go through your PIP benefits and still have the need to use your health insurance. Then if you have another car accident in the same year, it could adversely affect the first car accident. 

One reason is that you may need some of the benefits from the first car accident for the second car accident. Also, your personal injuries from the first car accident may have simply been made worse by the second. It may be difficult for doctors and physicians to determine where the injuries originally came from.

For these reasons, it's important to collaborate with your doctors and auto accident attorney immediately following another car accident. Some of the nuances that may come with multiple claims may be easily taken care of when they are notified as soon as possible.

Do I Need an Attorney to Get PIP Benefits?

PIP is supposed to protect you from the unexpected medical bills and stress of lost wages after an accident. But if your insurance company is disputing your claim or not paying the full benefits you are entitled to, then you need an insurance attorney on your side.

Call 407.648.4940 or contact Coye Law Firm today for a free consultation about your case.

The expert injury attorneys at Coye Law Firm are experienced with Florida, New York, Michigan, and District of Columbia law and are here to help the injured.