In Florida, one of the basicrequirements for car insurance is no-fault Personal Injury Protection insurance or PIP. In2018, a bill that wanted to repeal the law didn't go through. There is a secondattempt to repeal the PIP requirements law.
Regardless of the outcome of therepeal, Personal injuryprotection (PIP) insurance isn't so bad after all. This no-fault insuranceallows you to get medical covers after an auto accident in Florida, even if afault is awaiting confirmation.
The following are some of the thingsyou need to know about personalinjury protection (PIP)
Generally, PIP covers threesections of expenses: lost wages, medical costs, anddeath benefits. However, it doesn’t cover the entire amount of these expenses.Florida drivers are entitled to a minimum (and maximum) of $10,000 in PIP coverage.
Medical Expenses
After an accident, Personal injury insurance(PIP) will cover:
Ambulance
Rehabilitation
Surgery and other medical costs
Medical treatment and accommodating drugs
Pip doesn't cover alternative medicaltreatments such as acupuncture.It’s crucial to know that Florida PIPInsurance will only cover80% of your medical costs. Plus, this limit is onlyapplicable if your treatment is an emergency. If it's not, your cover will onlyprovide $2,500.A regular policy will only protectthe driver when an accident occurs; however, you can change your coverage toinclude other people in your household.
Lost Wages
If severely injured after a car accident, you may be out of a job for a while. You may be able to recuperate these damages with a personal injury lawsuit; however, as you wait, we will assist you with that.
It’s good to mention that Pip coverage extends to 60% of the earnings, with a $10,000 maximum limit. Besides lost wages, the Personal injury protection cover also takes care of your housekeeping needs.
Death Benefits
If someone lost their life, the Pip cover would cater for burial and funeral expenses plus medical costs and lost wages. Moreover, the next of kin gets $5,000.
WHEN SHOULD I FILE A PIP CLAIM?
To enjoy the PIP insurance coverage for medical and related expenses, you must be treated within two weeks. That way, the insurance company will reimburse the cost. Once you file the claim, intakes 60 days to investigate for fraud. The application must be settled within 30 days after that, even if there is suspicion.
In case of suspicion, you need an excellent personal injury lawyer to ensure you get the entire compensation. Remember to record all the medical costs, including diagnosis, bills, and associated documents.
When filling for lost wages benefits,you need employee history verification from your employer. Even self-employed individual scan still apply for the benefits of the lost wage. However, a personal injury lawyer can assist with filling the correct paperwork.
CAN I STILL FILE A LAWSUIT AFTER FILING A PIP CLAIM?
In Florida, you can still file a personal injury lawsuit even if the injuries were not so serious as long as the expenses are below$10,000. There is an opportunity to sue for extra costs beyond the set $10,000 limit. Since medical bills can go as high as $50,000, personal injury lawsuits are common, especially in severe accidents. So you can still sue for additional costs.
TALK TO A CAR ACCIDENT ATTORNEY IN MIAMI To Day
The best advice we can give you is to not worry about paying your medical bills, Boca law will help you file your claim and if need be file the personal injury lawsuit. We will help you get the entire compensation offered through the personal injury law (PIP)insurance cover.