Personal Injury Protection (PIP), commonly known as “no-fault” insurance, is a fundamental aspect of auto insurance policies in Florida. Understanding PIP is crucial for anyone driving in the Sunshine State, as it affects how damages are covered in the event of an auto accident.
At DWK Law, our Orlando car accident lawyers specialize in navigating the intricacies of Florida’s auto insurance laws, and we’re here to provide you with a clear, comprehensive explanation of what Personal Injury Protection means for Florida drivers.
What is Personal Injury Protection (PIP)?
Personal Injury Protection is a form of auto insurance that covers medical expenses, lost wages, and other specified benefits regardless of who caused the accident. This coverage ensures that anyone injured in a car accident receives immediate medical coverage up to the policy’s limit without establishing fault, thus reducing the need for litigation.
Key aspects of PIP coverage in Florida
Under Florida law, PIP coverage is mandatory for all registered vehicle owners. Here are some critical points about PIP as outlined in the Florida Statutes § 627.736:
- Coverage limits: PIP covers 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, regardless of who caused the crash.
- Lost wages: PIP also covers 60% of lost wages if the injuries prevent the insured from working. In most policies, there is a total of $10,000 in coverage which can be used for medical expenses, lost wages, or a combination of the two.
- Death benefit: In the event of a death resulting from a car accident, PIP provides a $5,000 death benefit, in addition to the medical and disability benefits.
- Scope of coverage: PIP covers the policyholder, relatives residing in the same household, passengers who lack PIP Insurance, and the policyholder when driving someone else’s vehicle or when a pedestrian/bicyclist.
How PIP works in Florida
One of the primary benefits of PIP is that it allows for immediate medical treatment following an accident. To qualify for PIP benefits in your policy, a claimant must seek medical attention within 14 days of the accident. PIP may not cover first-time treatment sought after this period.
While PIP coverage is comprehensive, it does not cover 100% of all costs. For instance, PIP only covers 80% of medical expenses, which leaves the insured responsible for the remaining 20%. Furthermore, PIP coverage does not address property damage or full lost wages or compensate for pain and suffering. These damages can be claimed under other coverages within a policy should they exist.
When to seek additional legal help
In cases where injuries are severe, and damages exceed the $10,000 PIP limit, or involve significant non-economic losses, you should step outside the PIP framework and pursue a legal claim against the at-fault driver. This is particularly relevant in situations involving permanent injury, significant and permanent scarring, or death.
How DWK Law can assist you
At DWK Law, we are adept at handling Florida’s PIP insurance complexities and can guide you through your immediate PIP claims and any necessary actions beyond PIP coverage. Whether you’re dealing with the aftermath of an accident or seeking to understand your insurance policy better, our team is here to ensure that you receive comprehensive support and expert legal advice.
Hurt in a crash? Call us.
If you have questions about how PIP applies to your situation or need assistance following an accident, contact DWK Law. Our experienced attorneys are prepared to help you navigate your insurance claims and ensure your rights are fully protected.
