PIP is a mandatory component subdivision of insurance coverage inwards Florida.1 PIP stands for personal injury protection together with all Florida drivers together with vehicle owners are required to direct maintain $10,000 of PIP coverage. The PIP benefits are paid past times your ain insurance companionship regardless of who is at error inwards the accident. In this way, Florida is viewed every bit a “no-fault” state.
Florida legislators made PIP coverage mandatory to assist cutting downward the fourth dimension it takes to recover for medical expenses together with lost wages. In addition, it helps to ensure that the injured driver tin seek handling without having to worry almost payment together with whether the at-fault driver was insured.
Fault vs. No Fault Accidents
In a typical machine accident, at that spot is a driver who caused the accident together with a driver who was hitting together with injured past times the other driver. The driver who was hitting would file a lawsuit against the other driver or file a claim amongst the driver who caused the accident’s insurance companionship to have payment for outstanding medical bills, lost wages, together with hurting together with suffering damages. In this, a typical at-fault scenario, the insurance companionship of the driver that caused the accident accepts liability together with pays for the harm done. Florida soundless follows this method, precisely the introduction of PIP adds a no-fault chemical ingredient to the inwards a higher house scenario.
In Florida, assuming both drivers direct maintain proper insurance coverage, the error of the parties does non thing to obtain PIP coverage. This way that if yous are inwards an accident caused past times someone else, yous create non direct maintain to file a lawsuit or bargain amongst the other person’s insurance to teach payment for the harm done. Instead, yous would contact your ain insurance companionship to teach coverage for your bills together with lost wages. This greatly expedites the procedure of getting reimbursed together with allows injured people to teach the handling they require without having to figure out how to pay for it. Instead, their insurance companionship pays for their expenses together with and therefore goes almost getting the other driver’s insurance to pay them dorsum for it, therefore your insurance rates are non affected.
In addition, PIP coverage allows the driver who caused the accident to recover for their ain injuries. In a typical at-fault scenario, the driver who caused the accident would non teach whatever benefits from their auto insurance.
Limits of PIP Coverage
In Florida, every auto policy contains $10,000 of PIP coverage. PIP insurance does non pay for 100% of your medical bills together with lost wages, however. Instead, it covers 80% of your medical expenses together with 60% of your lost wages, upwards to the $10,000 threshold. Because of this, fifty-fifty if your damages are relatively minor, yous volition soundless direct maintain to bargain amongst the other party’s insurance companionship or file a lawsuit to teach your total compensation from the at-fault driver’s insurance.
In addition, the fact that PIP coverage is ready at $10,000 inwards Florida way that those drivers who are to a greater extent than seriously injured volition direct maintain to seek total reimbursement through other way than their ain insurance company. The PIP coverage surely volition assist showtime some of the outstanding expenses, precisely unremarkably a lawsuit is necessary to ensure that yous are compensated fully for your outstanding medical expenses, lost wages, together with hurting together with suffering. Because of the complexities involved amongst dealing amongst your PIP coverage together with recovering the amounts non covered past times PIP, yous should brand sure to contact an experienced Florida auto accident personal injury attorney to brand sure that yous are fully compensated for your injuries.
Contact a Clearwater PIP Accident Attorney Today for a Free Consultation!
If yous or a loved i has been involved inwards an accident, contact a Clearwater, Florida PIP lawyer correct away. Florida police pull allows victims to recover compensation for injuries together with other losses that they may sense every bit a lawsuit of a collision. You e'er desire to direct maintain an attorney on your side who has a thorough agreement of Florida insurance together with personal laws and, at Dolman Law Group, nosotros direct maintain the sense needed to successfully handgrip your case. To schedule a gratuitous consultation amongst i of our lawyers, telephone phone our component subdivision today at 727-451-6900 or shipping us an e-mail through our online contact form.
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