Miami PIP Lawyers Answer Frequently Asked Questions About Florida Personal Injury Protection Insurance
Protecting the rights of clients in disputes with insurance companies
On paper, PIP (personal injury protection) insurance seems simple and clear. If you are involved in a car crash and you sustain an injury that requires medical attention, you would receive medical care and then the medical provider would bill your PIP insurance company who would pay the bill and all would be resolved. Sounds easy, right? Unfortunately, that’s not always how it works.
At the Yeboah Law Group, our skilled Miami PIP attorneys are here to help when you are facing a dispute with your insurance company when it delays or denies your legitimate claim. We offer free consultations so that you can discuss your case and receive personalized legal guidance.
What is PIP (no-fault) insurance?
Under Florida law, drivers are required to carry PIP (personal injury protection) on their car insurance policy, which will cover injuries from a car accident regardless of whether you were at fault. PIP covers the driver and any other passengers in the vehicle. PIP does not cover any part of your vehicle or any property damage sustained in the crash.
What are the PIP requirements for Florida consumers?
All Florida drivers must have PIP coverage on their car insurance policy (at least $10,000 coverage) in addition to property damage liability coverage (also at least $10,000 coverage) which covers damage to other driver’s property when the policy holder is at fault.
Car insurance companies in Florida that offer PIP coverage include but are not limited to the following:
- Auto Owners
- Florida Farm Bureau
- Liberty Mutual
- State Farm
What does PIP insurance cover?
Personal injury protection insurance covers up to 80% of the policy holder’s medical expenses in a covered accident up to the $10,000 maximum or whatever the policy limits are. PIP also covers lost income if you must lose time at work to recover from your injuries from the accident at 60% of your regular pay. It is important to note that the $10,000 policy limit includes both medical expenses and wage losses, so the more the policy pays you for your lost wages, the less funds are available for medical expenses.
What is an EMC?
An EMC is an emergency medical condition and according to Florida Statute 395.002(8), it is a medical condition which manifests itself by acute symptoms of sufficient severity, which may include severe pain, and failing access to immediate medical attention could result in:
- Serious jeopardy to the patient’s health
- Serious impairment to bodily functions
- Serious dysfunction to any bodily organ or part.
In Florida, PIP is limited to $2,500 if treatment occurs within 14 days of the accident, but there is no emergency medical condition present declared by a qualified physician.
How will my PIP case affect my health insurance?
Your health insurance company may place a lien on your settlement if it has already paid for any medical expenses related to your accident. Otherwise, your health insurance policy will not be affected by your PIP case.
How is a PIP lawsuit different form a personal injury lawsuit?
A PIP lawsuit pertains to contract law. It has a five-year statute of limitations, and the claim is for unpaid medical benefits that the policyholder is entitled to under Florida law. A personal injury lawsuit involves tort law and it requires the plaintiff (the injured party) to prove that his or her injuries were the result of the negligent actions or failure to act on the part of the at-fault party in the accident (defendant).
Do I need to hire a lawyer or can I handle the case by myself?
You are never required to hire a lawyer for your PIP case, but it is important to know that the other side will have attorneys protecting their interests. Hiring a skilled Miami PIP attorney does not cost you at the outset. We investigate your case, file a claim and the insurance company pays our attorney fees when we have won the case. Our experienced PIP lawyers are advocates for our clients who have been injured in accidents. We make sure that our clients are treated after their injuries, while also making sure that the doctors and chiropractors get paid accurately for their services. At the Yeboah Law Group, we hold insurance companies accountable for upholding their part of the PIP contract in your insurance policy.
We hold PIP insurers responsible when they do not pay
Our Miami personal injury protection attorneys play a critical role in holding responsible parties accountable after accidents and injuries. You are welcome to contact us at Yeboah Law Group for a free personalized consultation of your injury claim in Miami-Dade. Call Yeboah Law Group now at (800) TELL-SAM or complete our contact form to schedule a free consultation.
Types of Cases We Handle
Our Miami attorneys handle a variety of cases, including:
|Car Accidents||Truck Accidents||Motorcycle Accidents|
|PIP FAQs||Wrongful Death||Nursing Home Negligence|
|Product Liability||Premises Liability||Employment Discrimination|
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Yeboah Law Group, P.A
123 NW 23rd Street
Miami, FL, 33127
[available by appointment only]