Essentially, you will get the best use of your PIP in Florida when you get into a motor vehicle accident. Because PIP coverage is no-fault auto insurance coverage, you can still use your PIP benefits regardless of who was at fault for the crash.
PIP coverage helps make sure that when a car crash leaves you injured, you will be able to afford medical treatment. Understanding how PIP coverage works is vital to ensuring that you recover swiftly from your injuries.
What Does PIP Cover in Florida?
If you are injured in a motor vehicle crash, then Florida law entitles you to the following benefits:
80% of Required Medical Expenses
You must receive medical treatment within 14 days of getting injured in a car crash. Your PIP limit, which is $10,000, covers medical expenses including hospitalization, emergency services, and any surgery you may need to treat your injuries.
60% of Lost Earnings
PIP covers you for 60% of your lost earnings if you missed work due to your accident-related injuries.
$2,500 Limit for Non-Emergency Diagnoses
Your benefits cap at $2,500 if you need other medical treatments that aren’t essential to preventing death or serious injury.
Death Benefits up To $5,000
PIP covers you up to $5,000 if your accident ends in your death or the death of a family member.
Keep in mind that your PIP coverage excludes acupuncture and massage therapy. You must receive treatment from a licensed doctor and/or chiropractor to ensure that you receive PIP benefits for your medical treatment.
Other Crucial Things to Know About PIP Insurance in Florida
Take note that PIP insurance providers have 60 to 90 days to investigate PIP claims. So, make sure to follow the rules for submitting your PIP claim. Likewise, ensure that you document your accident-associated expenses to avoid issues with your insurer.
For motor vehicle accidents that occur in Florida, PIP must cover you and any family members in your house. PIP coverage also covers certain passengers who don’t have a motor vehicle and other individuals who have permission to drive your car.
Bicyclists and pedestrians are likewise entitled to PIP benefits. Also, PIP coverage must cover injuries from violent acts against you while you’re driving, including injuries due to carjacking or road rage.
PIP still covers you for car accidents that occur outside the state but inside the United States or Canada, as long as you are driving your own car.
It’s also crucial to note that you can, under certain circumstances, bring a personal injury claim against the at-fault party in a car crash. These circumstances include if your losses exceed your PIP coverage, and you suffered a catastrophic injury.
Contact a Skilled Tampa Car Accident Attorney Today
If you or a family member was hurt in a Florida car accident, then Hancock Injury Attorneys is ready to provide legal guidance. You can discuss your case and options for financial recovery with our Tampa car accident attorney in a free case review. To schedule your appointment, please call 813-915-1110 or reach us online.