How Florida’s PIP (Personal Injury Protection) Insurance Works in Car Accidents
Florida’s Personal Injury Protection (PIP) insurance is a crucial component of the state’s no-fault auto insurance system. Understanding how PIP works can help you navigate the complexities of car accident claims and ensure you receive the benefits you are entitled to.
At High Stack Law, we explain what PIP insurance is, how it works, and how it will affect your car accident lawsuit. Remember, if you were seriously injured in an accident, you likely still have an independent right to recover compensation from the negligent driver. Let us help you handle your case to seek the damages you deserve.
What is PIP Insurance?
PIP insurance, also known as “no-fault” insurance, is mandatory for all drivers in Florida. It provides coverage for medical expenses and lost wages regardless of who caused the accident. The primary goal of PIP insurance is to ensure that accident victims receive prompt medical treatment without the need to determine fault.
PIP is not necessarily designed to compensate you for all of your injuries and property damage. Instead, it primarily exists to limit the number of lawsuits or other legal actions necessary for relatively minor car accidents. If you were seriously injured, you likely have other legal rights still available to you.
Coverage Details
PIP insurance covers up to $10,000 in medical expenses and lost wages. PIP insurance typically covers the following:
- Medical Expenses: PIP covers 80% of your medical bills, including hospital visits, doctor’s appointments, surgeries, diagnostic tests, and rehabilitation.
- Lost Wages: PIP also covers 60% of your lost wages if you are unable to work due to injuries sustained in the accident.
- Funeral Expenses: In the unfortunate event of a fatal accident, PIP insurance can cover funeral expenses.
- Survivor’s Benefits: PIP may provide benefits to the dependents of a policyholder who dies as a result of an auto accident.
The 14-Day Rule
To access PIP benefits, you must seek medical treatment within 14 days of the accident. This is referred to as the 14-day rule. Missing this window can result in the loss of PIP benefits, so it’s essential to seek medical attention promptly.
No-Fault System Under Florida Law
Florida’s no-fault system means that your own PIP insurance covers your medical expenses and lost wages, regardless of who caused the accident. This system aims to reduce the number of lawsuits and expedite the claims process.
Limitations and Exceptions
While PIP insurance provides valuable coverage, it has its limitations. PIP benefits are capped at $10,000. Which may not be enough to cover all expenses, especially in cases of severe injuries. Additionally, PIP insurance does not cover property damage or injuries to passengers in other vehicles.
In cases of serious injuries, Florida law allows you to step outside the no-fault system and pursue compensation from the at-fault party. Serious injuries include significant and permanent loss of a bodily function, permanent scarring or disfigurement, and injuries requiring immediate medical treatment to prevent serious harm.
Maximizing PIP Benefits
To maximize your potential PIP benefits, follow these steps:
- Seek Medical Treatment Promptly: Ensure you receive medical attention within 14 days of the accident to avoid losing your right to claim benefits.
- Keep Detailed Records: Document all medical treatments, expenses, and lost wages to support your claim. Collect the other driver’s insurance information, take pictures, and collect anything else that might be helpful to your case.
- Consult a Personal Injury Attorney: An experienced Florida car accident attorney can help you navigate the claims process and ensure you receive the full benefits you are entitled to. Your lawyer can also help seek additional compensation outside of your PIP insurance.
Get Help with Personal Injury Protection (PIP) Claims After a Car Accident
Navigating the complexities of Florida’s PIP insurance and no-fault law can seem daunting on your own. You never have to do it alone, however.Let the motor vehicle accident attorneys at High Stack Law assist you. Contact us today for a consultation of your case.