The PIP (Personal Injury Protection) car insurance is mandatory in the Florida state for all auto drivers. The PIP coverage pays off for the injuries you have sustained in auto accidents regardless of whose fault it was that caused the accident. However, similar to some other states there are special laws and other regulations enforced in Florida.
What is covered?
Similar to the states of Michigan and New Jersey, the PIP coverage in Florida covers lost wages, medical costs, and death benefits. Almost all medical costs are covered by PIP in Florida with the odd exceptions of practices such as acupuncture. You can select the cover for PIP for either yourself or other members of the household in Florida. Things such as medication, surgical services, hospital expenses, rehab costs, and other medical services are covered under insurance. 80% of the medical costs are included in the PIP coverage.
When you are disabled and are injured in an auto accident the PIP in Florida will be paying for 60% of the lost wages. This includes the services you will usually perform but are incapable of any more due to the accident. The services include daily chores such as cleaning the house, doing laundry, and taking care of pets. When the insurance policyholder is killed in the auto accident, the PIP will take care of funeral and burial expenses apart from the benefits listed above.
Filing a PIP claim in Florida
The state of Florida has strict laws while filing for PIP coverage. One of the rules is that the treatment for the injuries incurred during the auto accident must be done within two weeks of the incident for the PIP reimbursement. The claim is no longer acceptable after two weeks. Because of the several cases of insurance fraud in Florida the insurer will get 60 days to investigate the claim. However, he must pay for the damages within 30 days even if there is room for doubt. If there is a court case you need to maintain a record of all your medical expenses after the auto accident.
For the lost wages claim you are required to submit a “Wage and Salary” verification which is to be filled by your employer. This document states your wages 13 weeks before the incident. A personal injury lawyer can help you to make sure that the employer fills out the form promptly. Sometimes you may be required to get a description from your doctor detailing the disability you received as a result of the auto accident.
Right to sue
The no-fault states such as Florida have laws to lessen the number of people suing each other for damages. Some states such as Florida only allow the drivers to sue if the injuries sustained are considered to be permanently disfiguring or have resulted in death. Florida also allows the drivers to sue even when the injuries are not severe as long as the medical costs are more than $10,000. When you are involved in an accident where the hospital bill exceeds $20,000 you can sue the other driver for $10,000 that is not included in the PIP coverage. You can also sue the person for the emotional pain and suffering caused by the accident.
Sometimes your auto accident case may not be straightforward or the insurance company might be giving you hassles. In this case, it is a good idea to get a personal injury lawyer for making sure that you get paid. During the proceedings, you must keep a log of all your medical expenses after the auto accident. For those looking for an attorney in the Tampa, FL area, contact Rojas Law Group for a consultation.
Picture Credit: 123rf