If you are a Florida driver, you are probably aware of Personal Injury Protection (PIP) insurance coverage. The PIP is designed to help drivers and their passengers injured in crashes. However, this coverage has some critical limitations.
PIP coverage is required for all drivers in Florida. This insurance provides medical and death benefits regardless of who is responsible for the accident. However, it does not cover other areas, such as your own property damage. Yet, in many cases, the PIP will be the only source of compensation after an accident.
PIP does not cover property damage
If your car is damaged in an accident, you will need to file a separate claim with your own insurance company or the at-fault driver’s insurance company to get compensation for the repairs.
Even if you have PIP coverage, it may not be enough to fully cover your losses after an accident. When you’ve been injured in a car accident in Florida, you’ll need a local attorney to help you understand your rights and options and obtain compensation.
PIP has a limited payment for certain types of injuries
PIP will only pay up to $10,000 for medical expenses, regardless of the severity of your injuries. If your medical bills exceed this amount, you will have to pay the difference out of pocket.
In addition, the PIP only covers 60% of lost wages if you cannot work due to your injuries. If you can’t return to work or accept a lower-paying job because of your accident-related injuries, you could lose significant income.
It is important to mention that the extent of PIP benefits also depends on the type of coverage you have. If you have the minimum required plan, you may have access to fewer benefits.
If you’ve been involved in a car accident in Fort Lauderdale, Florida, you need an attorney from Anidjar Levine. A lawyer can help you explore all your options for receiving benefits after an accident.
PIP does not cover pain and suffering
The PIP will only pay for economic losses, such as medical expenses and lost wages. It does not compensate for non-economic damage, such as pain and suffering. To get damages for pain and suffering, you must file a personal injury lawsuit against the driver at fault.
For example, if you were in a serious car accident that left you with permanent injuries, you may be entitled to significant compensation for your pain and suffering.
PIP has a limited period to file claims
You must file a PIP claim within 14 days of the accident or lose your right to recovery. If you wait too long for medical treatment, your insurance company may deny your claim on the grounds that your injuries are unrelated to the accident.
For example, if you wait a week to see a doctor after an accident and later find out you have a pre-existing condition, your insurance company may deny your claim.
PIP coverage is not mandatory in all states
Although the minimum PIP is required for all drivers in Florida, it is not mandatory in all states. If you live in or visit a state that does not require PIP coverage, you will not be able to rely on this insurance if you are involved in an accident.
For example, suppose you have a car accident while on vacation in another state. In this case, you will need to file a claim with your own insurance company or the responsible driver’s insurance company for compensation.
PIP has other important limitations
In addition to the limitations described above, the PIP also has a deductible that must be paid before benefits are available. The deductible amount varies by insurance company.
The PIP also only covers expenses incurred within three years of the date of the accident. If you are undergoing ongoing medical treatment or require long-term care due to your injuries, you may have to pay for these expenses out of pocket.
PIP is a mandatory form of insurance in Florida, but it has several notable limitations. If you’ve been involved in a car accident in Fort Lauderdale, you need an attorney to help you understand your rights and options and fight for the compensation you deserve.
A law graduate, Mark Scott understood early on that legal communication was a relatively neglected area. He decided to help people by “translating” the language and offering information and advice in a clear, useful and practical way. For this reason, instead of finding him in court, you will most likely find his name online, where he is very active and successful as a legal columnist. His part in making the world a better place is to make the law a less complicated maze. It aims to make it easier for people to understand when and how to consult a lawyer, how to proceed in a large number of legal cases and find the appropriate resources to defend their rights.