If you drive in Florida and are a resident there, you need to understand the type of no-fault insurance called PIP. This is mandatory in this state. However, if you become involved in a vehicular accident, it may be necessary to hire a personal injury attorney who understands what is exactly involved in PIP cases.
What Is PIP?
PIP is short for personal injury protection. It is obligatory in Florida to purchase it if you drive a vehicle. Its purpose is to provide you and your passengers with some form of protection in case an accident happens. This includes damages and personal injuries. The system is divided simply. Your insurance pays for personal damages; the other parties involved in the accident pay for their damages. Under Florida Statute 627.736, drivers are eligible for up to $10,000 in medical benefits and up to $5,000 in death benefits. These are the caps, according to a personal injury attorney.
What Governs PIP Payouts?
Yet, not all PIPs are created equal. The coverage you may receive, the amounts owed are dictated by several factors. These include:
1. The specific type of policy
2. The limits of the policy
3. Any deductibles
4. The issues of fault – Under PIP, if the other driver is found to be at fault, he or she’s insurance will pay for any property damage
As a result, if everything goes as provided in your PIP policy and those of the at- fault driver or drivers, you will receive:
1. Coverage for the greater percentage of your medical expenses
2. A certain portion of any wages lost due to the personal injury
3. Money to cover any prescriptions
4. Travel expenses for going to ad coming from any required treatments
5. Help in your home if your doctor recommends it as being necessary
There are also restrictions concerning when you need to seek treatment. According to the law it must be at least within 14 days following the accident. Failure to do so will result in your PIP claim being denied. With these and other specifications govern the implementation of PIP, it will be crucial for you to consult a personal injury attorney to ensure all the qualifications are met and the paperwork completed and handed in to the proper authorities within the set time frame.
Talk to a Personal Injury Attorney
With the instating of PIP for all drivers, it is important to be aware of your rights. If you do become involved in a vehicle accident in Florida, do not hesitate. Talk to a personal injury attorney. They can direct you through the process of filling in the right paperwork correctly and on time.
Make no mistakes. When it comes to handling insurance companies, always make certain you make the right choice. Do your research and find a personal injury attorney that will best represent YOUR insurance interest.
