In the state of Florida, it is mandatory that all drivers carry personal injury protection or “no-fault” car insurance. Personal injury protection insurance, or PIP, will pay for any injuries you experience from a car accident, despite who may have been at fault. Many states that mandate PIP have their own rules and regulations for it, and Florida isn’t any different. Read on for all the information that you need to know about Florida PIP laws.
What is Covered by PIP Insurance in Florida?
Many medical costs, if not most, are covered by PIP. It also covers death benefits and lost wages. In Florida, you get to decide if you want your PIP to cover other household members or just you. The state also only pays 80 percent of your PIP-covered medical expenses. If you have $5,000 worth of injuries, PIP is going to pay $4,000 of it.
Some practices, like acupuncture or massage therapy, are not covered as part of PIP law changes that were made. Below are eligible PIP claims:
- Rehabilitation costs
- Ambulatory services
- Medical services
- Surgical procedures and services
- Hospital expenses
- Diagnostic services
However, if you weren’t treated within 14 days of your car accident, then no PIP coverage applies. PIP coverage also applies if you owned the car that you were driving at the time of your accident, or if your blood relative or spouse owned it. The claim you make must be with your PIP insurance carrier.
Eligibility for PIP Benefits
Nobody wants to skip work due to an accident and not get paid. If you have to take time off from work due to your accident, then you will have to provide your insurance provider with a “Wage and Salary Verification.” This is a document that will show how much you had earned working in the 13 weeks before the accident in order for the insurance provider to be aware of how much they have to pay you. PIP coverage covers up to 60 percent of missing wages.
On top of this, if the injuries you’ve sustained from your car accident are not considered to be an emergency, PIP will entitle you to only $2,500 worth of benefits. However, this should not be of much concern if you have a reliable and solid health insurance policy that will cover the remaining costs.
How Do I File a PIP Claim in Florida?
As previously mentioned, any injuries you experienced from a car accident must have been treated within two weeks of the incident in order to be eligible for a PIP claim, or else it will not be considered or accepted. Because Florida has a high rate of insurance fraud, your insurer has 60 days, or roughly two months, to check out any claims you make about falsehoods.
Despite this, they still have to pay for your damages within 30 days even with any falsehood suspicious. If an insurance company is giving you trouble, make sure to trust in a personal injury lawyer to make sure you get your PIP payment.
If you have recently been in a car accident and are having trouble understanding Florida PIP laws, make sure you are getting the right help you need. The Berman Law Group is able to help you get the PIP benefits you deserve. Call (800) 375-5555 now for a free consultation.