West Palm Beach Car Accident Lawyer Explains Florida’s PIP Law
Find out more about how personal injury protection works
Florida is a “no-fault” state for car accidents. That doesn’t mean fault doesn’t matter; it means that your own insurance pays for your injuries first. Specifically, Florida requires Personal Injury Protection (PIP) for all vehicles registered in the state. PIP is your “first line of defense” against medical expenses and lost wages due to an accident, so it’s important to know how it works.
What are the car insurance requirements in Florida?
Florida law states each vehicle registered in the state must have a minimum of $10,000 in PIP coverage and $10,000 in property damage liability (PDL). PIP covers medical expenses, wage loss, and funeral and burial expenses for injuries sustained in a car accident on a no-fault basis, while PDL covers damage to someone else’s car in a crash you cause.
Who is covered under PIP insurance?
PIP insurance covers the owner of the covered vehicle, as well as children of the vehicle owner if they’re riding in the vehicle or on a school bus. PIP also covers passengers in the covered vehicle and pedestrians or cyclists hit by the covered vehicle, if they aren’t already covered under their own policies or a relative’s policy. It also covers other licensed drivers who drive the vehicle with the owner’s permission, if they don’t have their own policies.
What do you have to do to get PIP coverage?
In order to get PIP coverage for your medical expenses, you have to get medical treatment for your accident-related injuries within 14 days of the accident. That includes treatment from a paramedic or EMT at the scene, or treatment by a doctor, registered nurse, or other medical professional at a hospital, urgent care clinic, primary care provider or chiropractor afterward. This is one of the many reasons it’s important to see a doctor right away after a crash, even if you feel okay.
What medical treatment does PIP cover?
PIP covers 80% of the costs for “reasonable and necessary” medical treatment after a car accident, including:
- Ambulance costs
- Diagnostic tests
- Medical procedures and services
- Medication, including pain medication
- Surgery and hospital costs
Note that PIP does not cover acupuncture or massage therapy.
How does PIP coverage for wage loss work?
PIP covers 60% of your lost wages for the time you can’t work due to your injuries, up to a total policy limit for $10,000. In addition to covering your own lost income, PIP will pay for services like house-cleaning or childcare if you need to hire someone because you’re unable to do them yourself due to your injuries.
Know your rights. Contact attorney Glatthorn. Your case matters. He can help
Understanding Florida’s PIP regulations can be confusing, and the insurance companies are mostly interested in protecting their profits. So if you’re injured in an accident, they will look for ways to pay you as little as possible. They’ll pore over your medical records for indications that you may have had a pre-existing condition or your injuries weren’t accident-related. They may try to send you to their doctor for a “second opinion.” That’s why you need an experienced, knowledgeable, tenacious Florida car accident lawyer on your side, fighting for your rights.
Attorney David Glatthorn has more than 30 years of experience getting people the compensation they rightfully deserve for all types of car accidents. Attorney Glatthorn knows how insurance companies operate and how to get them to negotiate a settlement that meets your needs. If they won’t pay up, we’re ready to take them to trial.
Attorney Glatthorn belongs to the prestigious “Million Dollar Advocates Forum,” an organization reserved for lawyers who have obtained verdicts or settlements worth over $1 million for a client. Less than 1 percent of lawyers in America belong to the “Million Dollar Advocates Forum.”
Find out how David Glatthorn Law can help you. Contact attorney Glatthorn today. Call 800-990-9394 and schedule a free case evaluation. You have nothing lose and everything to gain.