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Florida Personal Injury Lawyers
$3,830,000

Catastrophic motorcycle accident resulted in a jury verdict.

$1,748,000

Auto accident, multi-car crash

$1,200,000

Auto accident

$1,035,000

Auto accident involving defective airbag

$850,000

Auto accident

$700,000

Auto accident

$700,000

Auto accident

$600,000

Hospital turned away patient

$550,000

Auto accident involving tractor trailer

$450,000

Auto accident

$400,000

Car accident

$350,000

Golf Cart Accident

$300,000

Slip and Fall at Work

$210,000

Slip and Fall

$195,000

Auto Accident

$175,000

Accident involving pressure cooker

$106,890

Auto Accident

$100,000

Auto Accident

$100,000

Auto Accident

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FAQs About Florida’s PIP Insurance Coverage

PIClaim

In Florida, motorists are usually expected to file claims with their own insurance companies after auto accidents, regardless of who caused the accident. For a motorist to file a claim from their insurance company after an accident, they must have personal injury protection (PIP) insurance coverage.

To help you understand more about PIP, we have answered below a few of the most frequently asked questions about Florida’s PIP insurance coverage.

Who Does PIP Insurance Cover?

PIP coverage automatically covers car owners. Florida PIP can also cover car owners’ household members.

What Does Florida PIP Insurance Cover?

According to the law, PIP insurance covers;

  • Medical benefits
  • Disability benefits
  • Death benefits

Medical Benefits

In Florida, PIP coverage pays only up to 80% of a person’s medical costs after an accident. PIP can cover up to 80% of any medically necessary surgery you undergo after an accident. The insurance coverage can also cover up to 80% of the cost spent on rehab, diagnostic services, ambulatory services, medication, and many other acceptable medical services.

It is important to note that PIP does not cover some widely unacceptable treatments. For example, PIP cannot cover acupuncture.

Disability Benefits

PIP usually pays victims who cannot work and earn an income after an accident 60% of their lost wages. Such a benefit is limited to a maximum of $10,000. Under disability benefits, PIP also compensates victims for paying other people to provide them with services they would have normally provided for themselves were it not for their injuries.

Death Benefits

If an auto accident leads to an insurance policy holder’s death, PIP coverage can pay up to $5,000 for funeral and burial expenses.

What Does the 14-Day Rule Mean?

Generally, to file a PIP insurance claim, a victim needs to seek medical attention within 14 days after their accident. Failure to seek medical attention within two weeks can lead to the denial of a claim.

Can I File a PIP Claim if My Injury Is Not Considered an Emergency?

The maximum PIP payout of 80% mostly relates to emergency medical conditions. If your injury is not considered an emergency medical condition, you can still file a PIP claim, but reimbursement in such a case is limited to $2,500.

What If My PIP Coverage Is Not Enough to Pay for My Medical Costs?

If your PIP insurance is not enough to pay for your medical costs, you have the right to sue an at-fault party. However, you can only sue an at-fault party if your injury qualifies as a severe injury. Usually, such injuries are life-altering.

Therefore, to protect yourself, you should purchase additional PIP insurance. The minimum PIP coverage motorists need to carry is $10,000, but motorists can better protect themselves and/or their loved ones if they purchase additional insurance.

Contact an Orlando Personal Injury Lawyer Today

Even when seeking compensation from your insurance company, you need to work with an experienced personal injury lawyer. Insurance adjusters are cunning and can trick you in several ways. Our experienced Orlando personal injury lawyers at the Pendas Law Firm can help you file your PIP claim and receive fair compensation. Contact us today to schedule a free, no-obligation consultation.

The Pendas Law Firm also represents clients in the Ocala, West Palm Beach, Tampa, Bradenton, Fort Lauderdale, Daytona Beach, Fort Myers, Miami, and Jacksonville areas.

Resource:

flhsmv.gov/insurance/#:~:text=PIP%20covers%2080%20percent%20of,else%20driving%20your%20insured%20vehicle.

Read What Others Have To Say About Us

  • “I can’t express how much I appreciate this law firm. I had the honor to deal with attorney Daniel. He kept me updated on my case. I couldn’t ask for a better law firm. Daniel fought for me til the end and got me what I deserved. Thanks Daniel and your team for always being there to answer any of my questions. If I ever need a law firm again...”

    Terry Mcphillips
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  • “Wow I called Pendas Law Firm the other day at their main intake line it was around 11 o’clock at night and I’ve got this wonderful representative his name was Jeffrey Alvarez. This guy was very professional and his compassion was out of this world I don’t know what I would do if I could not have got a hold of him...”

    Luis Sanchez
  • “Thank you for helping us in our time of need. This firm handled my father’s workers comp case, and helped us with every question we had, and we had a plenty. Thankful for the entire legal team!”

    Enilno Resu
  • “I just concluded a case with attorney Michael Sanchez and paralegal Camilo Lopez. I can only say they are exceptional. The customer service is unique, they have been battling alongside me since day 1. They are not only courteous and professional, but they also are amazing at their job. Thanks to them I got a great deal. I am glad I decided to use their services...”

    Israel Garcia
  • “Their attorneys are absolutely someone you want handling your car accident claim. They communicated with us promptly and thoroughly. I was very happy with our recovery. Already recommended them to others in the same circumstances, their staff speaks Spanish and you feel like in family.”

    Ian Brito
  • “Very Professional law firm. They explained to you every detail what to do according to the laws (worker’s compensation). Mr. Danilo Cruz is the best Lawyer and his team. They are very kind, friendly, responsible, I love this firm. They fight for their clients. AwesomeTeam!”

    Lau Rod