In Florida, it is required for all auto-insured drivers to have a coverage on their policy called Personal Injury Protection, or PIP. It is also considered no fault insurance because the insured driver can receive PIP benefits regardless of who’s at fault for the accident. Every insured driver, no matter how much they paid for their policy, is required to have $10,000 in Personal Injury Protection.
The reasoning behind the PIP law was to ensure that an injured driver does not have to wait to receive emergency medical care. An MD, DO, DC, Dentist, hospital and its facilities, and emergency medical personnel can provide the initial care. So, as well as your health insurance, it is important to provide your medical care providers with your auto-insurance policy so they can file a claim to receive your benefits; if not, your attorney will be happy to file the claim for you.
The $10,000 will be used to help cover necessary and reasonable medical expenses:
- Medical bills
- Hospital costs
- Funeral expenses
- $5,000 worth of death benefits
- Covers 60% of lost wages
- Covers other accident-related expenses such as Mileage reimbursement to and from your doctor
Regardless of who’s at fault, the following are eligible to use PIP benefits:
- The policyholder
- Relatives of the policy holder
- Any passengers who are involved in a car accident and they don’t have their own PIP coverage
- Authorized drivers of your insured car
- Family members of the policyholder in case they get injured while in another person’s car.
- The policyholder and family members in case they are involved in an accident as pedestrians.
Your main priority after an accident should be getting medical treatment for your injuries. It will always be beneficial to you to seek an experienced attorney in dealing with the insurance companies to verify that your PIP benefits are used to their fullest advantage. At the Law Office of Andrew G. Rosenberg, we are there to walk you through every step of the way and are dedicated to making sure that you are properly compensated for your injuries and hardships due to an accident.