Personal Injury Protection is also referred to as Florida no-fault insurance. This protection pays for your medical expenses, lost wages, death benefits, physical therapy, and at-home care such as laundry and babysitter services in case you are injured in a car accident.
In the state of Florida, PIP requires $10,000 personal injury protection for everyone with car insurance. This will cover 80% of your medical expenses and 60% of lost wages. Florida requires the policyholder to decide if they want PIP to cover your entire household or just yourself, this is different from other states where PIP is covered for the entire household automatically.
If your injury is not covered by the $10,000 in insurance, the victim is then and only then allowed to sue the at-fault driver for losses.
“Non-emergency” injury coverage will be different from if your injuries are considered an emergency. Your compensation is maxed at $2,500 to cover your medical expenses, lost wages, etc…
What if I am just in Florida for half of the year? Am I still covered by Florida PIP?
If you are residing in the state of Florida for more than 90 days in the calendar year, you need to carry Florida’s PIP insurance to operate your vehicle. This is beneficial for even part-time residents to be covered by this protection. Knowing your medical expenses, lost wages death benefits, and at-home care is taken care of in case of an accident makes life carefree!
What if I was not the driver?
PIP in the state of Florida will cover you completely by PIP if you are involved in a car accident as a passenger, pedestrian, or biker. This is great if the person riding with you does not have car insurance and can live carefree knowing they will be covered if injured when traveling with others.
Why would I need an attorney?
As you can see, each state is a little bit different in its requirements for PIP. It is important to understand what exactly you are covered for and these percentages and numbers that cover you can be a bit confusing. The consideration of if your injury is an emergency or not also takes a huge toll on what you will receive as compensation.
When you are owed claims due to PIP an attorney can be extremely helpful. Attornies at Scott & Wallace are well versed in the personal injury protection requirements. They are able to help you understand your rights and exactly what the insurance company owes you. This is extremely helpful and gives the injured peace of mind.
Take action and make sure you are being given what you deserve! If Scott & Wallace finds that you are not being given proper compensation from your insurance company, there can be legal action taken. The first thing to do is act quickly and call us today! We will handle negotiating a settlement with your insurance company and if that settlement does not reach a proper conclusion then a Personal Injury Lawsuit will be filed.
If you or a loved one are suffering from a serious personal injury as a result of someone else’s actions, call us TODAY!
Scott & Wallace’s mission is accomplished through aggressive, but principled, representation. We promise to be passionate, focused, and empathetic while winning your case. When you hire us, your fight becomes our fight, and our mission is full and final justice.