Understanding Florida PIP Insurance Coverage
If you have ever been involved in a car accident in Florida, you may be wondering how your medical bills and lost wages will be covered. Florida is one of just a handful of states that require all drivers to carry Personal Injury Protection (PIP) insurance. At The Law Offices of Keith Bregoff, we want to ensure all Florida drivers thoroughly understand this important type of insurance coverage.
How Much Coverage Does PIP Provide?
Under Florida law, all drivers are required to carry a minimum of $10,000 in PIP insurance coverage. PIP will cover 80% of your medical expenses and 60% of your lost wages up to your policy limits. It also provides a $5,000 death benefit.
It is important to note that PIP coverage is limited to $2,500 unless a medical professional determines that you have an “emergency medical condition.”
Seeking Medical Treatment After an Accident
To be eligible for PIP benefits, you must seek initial medical services and care within 14 days after a motor vehicle accident. Medical services and care can include:
- Emergency transport and treatment
- Hospital and urgent care visits
- Doctor visits
- Surgical procedures
- X-rays
- Prescription medication
- Rehabilitative services
If you do not seek medical treatment within 14 days, your PIP insurance may deny your claim for medical benefits. That is why it is crucial to see a doctor as soon as possible after an accident.
Dealing With PIP Insurance Claims
Unfortunately, dealing with PIP insurance claims can be frustrating and confusing for many accident victims. Insurance companies are businesses whose goal is to pay out as little as possible. They may deny that your injuries were caused by the accident, argue that your treatment was not medically necessary, or claim that you did not seek treatment within the required 14-day window.
If your PIP claim is denied, you have the right to appeal the decision and file a lawsuit against the insurance company. However, PIP lawsuits can be very complex and time-consuming. The insurance company will have a team of lawyers on their side fighting to deny your claim.
How a Personal Injury Lawyer Can Help
This is why it is so important to work with an experienced personal injury lawyer if you have been injured in a car accident. A knowledgeable Florida PIP lawyer can help you maneuver the complicated claims process, investigate and gather evidence, communicate with the insurance company on your behalf, and fight for the full compensation you deserve.
If your PIP benefits are exhausted and you are still facing significant medical bills and lost wages, a personal injury lawyer can also help you pursue additional compensation through a liability claim against the at-fault driver.
Contact the Law Offices of Keith Bregoff
At The Law Offices of Keith Bregoff, our compassionate and knowledgeable legal team has extensive experience handling Florida PIP claims and car accident lawsuits. We are here to guide you through the process, answer your questions, and fight for your rights every step of the way. If you have been injured in a Florida car accident, contact our office today at (772) 492-8967 to schedule a consultation with us.
