Miami Personal Injury Protection Lawyer (PIP)
It is illegal to drive without auto insurance, yet millions of drivers do so. Thirteen percent, or one in eight, drivers out on the roads do not have auto insurance, according to the Insurance Research Council. The repercussions of being hit by one of these drivers can mean that you are left paying for bills that you should not have to. If you have auto and health insurance, there is another safety measure available to you. Personal Injury Protection (PIP) insurance is an additional financial tool that you can use in the event of an auto wreck.
Florida is one of 10 no-fault states, which means that in the event of any crash, no matter whose fault it was, your auto insurance will cover your medical expense, up to your policy limit. PIP insurance is used to cover your health costs, including some that your health insurance might not, in the event of an auto accident. PIP covers all the passengers in your vehicle, it covers you when you are a pedestrian or cyclist, and it covers you when you are in someone else’s vehicle. Regardless of fault, PIP insurance helps pay for your medical bills and is an excellent add-on to your normal auto and health insurance policies. Contact our experienced Miami personal injury protection lawyers today.
PIP Insurance is a Supplement to Your Health Insurance in Auto Accidents, Not a Replacement
PIP insurance comes with its own set of limitations. It only covers your medical costs when you are involved in an auto accident, and many policies have a deductible of $1,000, meaning you have to pay the first $1,000 of medical costs. When the deductible has been met, most PIP policies pay up to 80 percent of your medical and disability bills, usually topping out at a total of $10,000, according to Florida Law. In addition to medical bills, PIP can also pay up to $5,000 in death benefits. Finally, PIP insurance can also pay up to 60 percent of your lost wages, as well as cover the travel expenses associated with visiting your healthcare provider.
If your injuries were the fault of another party, an experienced Miami auto accident lawyer can help you recover damages from them to help pay for your medical bills, lost wages, and pain and suffering.
PIP Insurance Pays for:
PIP insurance can help pay for the following expenses:
- Hospital and doctor’s bills;
- In-home rehabilitation and other services;
- Lost wages; and
- Funeral expenses.
Contact our Miami Personal Injury Protection Lawyers
If you or a loved one was involved in a car crash, give us a call us today and we can help you apply for any type of reimbursements you require. The Pendas Law Firm in Miami employs only the most experienced personal injury and auto accident lawyers with extensive knowledge of PIP insurance. Our consultations are free, so there is no reason to wait; call now.
