By: Emily Cardin
It is important to know is that the state of Florida covers up to $10,000 in PIP coverage. PIP stands for personal injury protection, and it is required in Florida. According to the Florida Highway Safety website, “PIP covers 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash.”
But you should know that if your medical bills are over the $10,000 limit, you might need to cover the remaining costs. There are many different types of treatment an individual could undergo after a car accident to help treat injuries caused by the car accident. Some of the medical expenses and treatments PIP will cover include:
- Emergency medical services
- Hospital or medical expenses
- Physical therapy
- Diagnostic testing and services
- Surgeries
It is crucial to remember the 14-day rule. This means to qualify for PIP coverage in Florida; an individual must file a PIP claim within two weeks of an accident. The earlier you are seen, the more proof and documentation you will have to show for your injuries. You should see a doctor as soon as possible following a car accident to help your case.
You should know that in Florida, PIP covers others in your household. Aside from the driver of the vehicle PIP will cover any pedestrians or passengers who were involved in the incident. If the passengers have their own PIP insurance, they will be protected by their own policy.
PIP is a type of insurance that covers multiple different aspects aside from medical expenses, the money from PIP could also be put towards lost wages and in unfortunate circumstances, death benefits. The PIP death benefits will offer compensation of up to $5,000 for car accident fatalities.
If your injuries have affected your ability to work, PIP coverage in Florida will cover up to 60% of your typical income. If you were left unable to complete daily tasks due to your injuries, PIP coverage could also be but towards that. Some services that could be covered include:
- Cleaning services
- Childcare services
Keeping an organized log or collection of medical expenses and treatment received after an accident is crucial. This will help you keep a record of your total costs, especially if you decide not to hire a lawyer or have problems with your insurance company. Make sure to have all receipts and invoices from your healthcare provider.
You should know that PIP covers a variety of medical services, but it does NOT include:
- Massage therapists
- Acupuncture treatment
KEY TAKEAWAY:
Following a car accident, there are many steps to take to ensure you receive the compensation you deserve. When seeking PIP coverage, speaking with a Personal Injury Lawyer is best. They have various years of experience and will help you navigate your way through this process. The team at Ovadia Law Group could help you receive your PIP benefits and make sure you are going through all the right steps to ensure you’re given proper compensation. If you have questions regarding what PIP includes and could be used towards, do not hesitate to call and set up a free consultation! Ovadia Law Group has multiple different office locations throughout the state of Florida. You can read more on our website to find the office location closest to you!
