The first question to be asked by a victim in a Florida vehicle accident is whether or not they’ll be able to get coverage for their medical bills. A serious vehicle accident can leave a victim with thousands of dollars in medical expenses.

Florida operates under a Personal Injury Protection program in which each driver has to carry PIP insurance to protect them in the event of a crash that leads to medical injuries.

Many people who rely on their PIP protection might not realize at first that they need an attorney. A PIP lawyer in Florida can make this process easier for someone already coping with how the injuries have impacted their life.

What Accidents Get Coverage under the Florida PIP Law?

All vehicle accidents, including those with automotive vehicles and golf carts, pedestrians and cars, and cars and bicycles can all be considered covered under PIP law. For this reason, every owner of a motor vehicle has to carry PIP insurance for four-wheeled cars.

Why Does PIP Exist?

The goal of personal injury protection insurance was to allow for immediate medical coverage payments for those victims hurt in a serious accident. One major challenge that plenty of victims faced had to do with waiting long periods of time to get payment for their serious injuries.

Under PIP, the individual person is responsible for their injuries in an accident regardless of who caused the wreck to begin with. However, PIP coverage only covers up to $10,000 for immediate medical benefit payments.

What Does PIP Cover in Florida?

Medical services rendered by certain providers are covered under the Florida PIP law. Chiropractors, hospitals, osteopathic medicine physicians, medical doctors, and EMS services are all covered under the Florida PIP law.

When the law was amended, it became prohibited for massage therapists or acupuncturists to receive payment through the PIP system.

Medical transport, diagnostic tests, medical treatment, surgical services, and hospitalization are all covered up to $10,000. Victims with bills beyond that need to contact a PIP lawyer in Florida to discuss their options for filing an injury lawsuit. In order to get coverage, the victim must seek medical care no later than 14 days after the accident.

Furthermore, PIP covers lost wages up to 60 percent with a limit of $10,000 and death benefits of up to $5,000, which are paid out immediately to the next of kin when the victim is killed in a crash.

Does PIP Cover Pain and Suffering?

The upfront medical expenses of treating your injuries are unlikely to be the only way in which your daily life was impacted by a vehicle accident. As a PIP lawyer in Florida can tell you, you might need to seek additional support in the form of a lawsuit to pay for your pain and suffering damages.

It can be very complicated to calculate and make an argument for pain and suffering damages, so turning to a knowledgeable PIP lawyer in Florida is recommended to ensure that the victim has a full understanding of what to expect.

This article is not legal advice. It is presented
for informational purposes only.