Miami Auto Accident Attorneys Provide PIP Guidance
Assisting South Florida families with their accident insurance claims
Though the state of Florida requires vehicle owners to maintain personal injury protection (PIP), many drivers lack a basic understanding of the coverage and its purpose. At Yeboah Law Group, P.A., our Miami personal injury attorneys seek to arm residents of Miami and South Florida with resources to assert their rights following an automobile accident. This FAQ provides a general overview of PIP. If you have been in an automobile accident and require guidance about the application of PIP to your particular case, please contact our office for a personalized consultation.
What is the purpose of PIP coverage?
When automobile accidents occur, the costs of the associated expenses can have a devastating effect. PIP seeks to alleviate some of those costs by providing benefits for medical services rendered to auto accident victims.
How does PIP work?
Under the traditional automobile liability insurance model, the insurance company of the at-fault driver pays the covered accident costs. PIP coverage is “no-fault” and covers some of the policyholder’s costs, regardless of which driver caused the accident. In addition, PIP may also pay medical expenses of passengers within the policyholder’s vehicle at the time of the accident.
What expenses does PIP cover?
The specific amounts depend on the limits of your individual policy, but PIP generally covers up to the first $10,000 of auto-accident medical expenses. Costs covered by PIP typically include:
- Medical treatment
- Rehabilitation costs
- $5,000.00 death benefit to help with things like funeral costs
- 60% of lost wages resulting from a disability caused by an accident
- Some necessary services, such as child care
Why do I need PIP?
The state of Florida requires PIP coverage for insured drivers, but it does offer a useful benefit. Insurance companies can take an extremely long time determining fault and distributing payments. During this period, your expenses continue accumulating. PIP requires no-fault determination, so payment is generally much faster.
Do I need PIP if I have medical payment coverage?
These two coverage types are similar because neither requires a determination of fault. The differences lie in the types of costs they cover. While medical payment coverage solely pays medical costs, PIP pays other related expenses, such as lost wages and funeral costs.
Does PIP coverage include a deductible?
This depends on the specific details of your PIP policy. However, the state of Florida limits any PIP coverage deductible to $1,000.
When does PIP coverage apply?
Coverage generally applies when the policyholder, or any resident relative of the policyholder, experiences injuries while riding in a motor vehicle or while classified as a pedestrian. A resident relative is any person related by any degree of blood or marriage who resides in the policyholder’s home.
Are there any exclusions to PIP coverage?
Yes, the Florida statute does allow for some exclusions to PIP coverage. These include:
- Injuries sustained in commission of a felony
- Injuries sustained in a vehicle not covered by an automobile insurance policy
- Injuries sustained to any person operating your vehicle without permission
Trust an experienced Miami auto accident attorney to guide you through the entire insurance claims process
When faced with the aftermath of an automobile accident, your first priority is healing. Trust the experienced Miami auto accident attorneys of Yeboah Law Group to focus on the insurance claims process while you focus on your health and wellbeing. You can call us at 1-800-TELL-SAM or complete our contact form to schedule a free consultation.
Se habla español.