What is PIP? Why do I have to contact my insurance company? Why is my insurance company paying bills for an accident I didn’t cause? Why does my insurance company only pay a portion of my bills? How does the Florida Personal Injury Protection law cover my bills?
These are frequent questions that many accident victims have concerning their accident and PIP. They are very good questions, and they deserve answers. The auto insurance industry intentionally provided very little information to answer these questions.
Personal Injury Protection, or simply PIP, is mandatory coverage provided by your insurance company in the event of an accident. It is governed by Florida Statute 627.736(1). Under the PIP Statute, an insurance company is required to provide their insured with a minimum of coverage should they be involved in an auto-accident. The minimum coverage is $10,000 per person, and it will cover or reimburse the following expenses:
- 80% of any and all medical bills relating to injuries sustained
- 60% of any loss of income (wages) or earning capacity
- 80% of prescriptions for medication prescribed as a result of injury
- Reimbursement of mileage to and from any medical facility
Who qualifies for PIP? When involved in an auto-accident, regardless of who is at fault, every person involved will report to their own insurance company for PIP benefits. If you are not covered on an auto-insurance policy you may still qualify for PIP through other means such as residing with a relative who owns an insured vehicle, or riding in a vehicle that is insured.
REMEMBER! NOT HAVING PIP DOES NOT STOP YOU FROM SEEKING IMMEDIATE MEDICAL ATTENTION OR PURSUING A CLAIM AGAINST AN AT-FAULT DRIVER
Do I qualify for PIP? Call the law office of Dan Newlin & Partners at (407) 888-8000: We pride ourselves in providing free advice and information to consumers and victims of auto-accidents. We want you to be well informed about the whole process and know exactly what benefits you are entitled to. With just a few answers to some simple questions, we can tell you if you qualify for PIP and under what policy. Please call me today; failure to properly open a PIP claim with the insurance company could result in the accumulation of high medical bills in your name.