PIP Coverage in Florida
Accidents can happen anywhere and to anyone. When these accidents occur and another person is at fault, it’s important to consider your legal options. A Daytona Beach, FL personal injury lawyer from Chanfrau & Chanfrau can help. We can discuss insurance matters, legal settlements, and whether or not you should consider taking your case all the way to court.
When it comes to auto accidents, the topic of Personal Injury Protection (PIP) sometimes comes up. Let’s discuss the basics of PIP and how it may affect car collision litigation.
About Personal Injury Protection (PIP)
Personal Injury Protection is just another way of saying no-fault car insurance. PIP insurance will cover injuries and lost wages that you have experienced as a result of a collision. Most importantly, PIP will cover these losses regardless of who was responsible for the accident.
Pedestrians or bicyclists injured in auto accidents may potentially be covered by PIP insurance, but it depends on the nature of the collision and other factors.
Why Personal Injury Protection (PIP) Exists
PIP helps ensure that people harmed in auto collisions have some of their medical expenses and financial losses covered after a crash. This is preferable to shouldering the burden of these expenses entirely on one’s own. This also helps people who were in accidents with uninsured motorists.
Is Personal Injury Protection (PIP) Mandatory?
Yes.
PIP is required for drivers throughout the state of Florida. Other states have similar mandates regarding specific kinds of auto insurance. Our Daytona Beach lawyers can go over the finer details about PIP claims during a consultation.
What Is Covered by Personal Injury Protection (PIP)?
PIP covers the following expenses related to a motor vehicle collision:
- Medical Bills - PIP will cover 80 percent of costs associated with hospital stays, surgery, ambulatory services, medications, and rehabilitation. Certain medical procedures (particularly regarding alternative medicine) may not be covered.
- Lost Wages - PIP will cover up to 60 percent of your lost wages up to $10,000. This will provide some income as you are recovering from your injuries.
- Death Expenses - When a PIP policyholder is killed in an auto accident, their loved ones will receive $5,000 to cover funerary expenses.
There are limitations on some coverage, so be sure to check with your insurance provider for details.
How Our Auto Accident Lawyers Can Help
If you have been involved in an auto accident and are wondering what your next steps are, our lawyers can help.
Our law firm can assist you with making a PIP claim and filling out the necessary paperwork. If your claim is denied, we can offer advice on the appeals process so you can receive the PIP coverage you need.
More importantly, our attorneys can discuss if it’s worth pursuing litigation against the negligent party, whether that be another motorist, a commercial driver or their employer, or even an automaker. Seeking legal action means collecting more in settlement money or legal damages than you would in PIP coverage. That said, legal actions are not sure things. Consulting with a lawyer will help you understand the strength and value of your case and what your best decision is given your situation.
Contact Our Team of Attorneys
For more information about your legal options after a serious accident, contact a skilled personal injury lawyer. The attorneys of Chanfrau & Chanfrau can be reached in Daytona Beach at (866) 610-0653 and in Palm Coast at (386) 439-7760.