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Orlando Accident Attorney | Florida PIP vs. Bodily Insurance Coverage

Recently, a Florida judge put a temporary injunction on the new PIP laws that went into effect January 1, 2013. Many people did not realize the impact these new laws had on them and their families – at least not until they were involved in an Orlando auto accident.

The Florida PIP laws were created to help lower insurance premiums for Florida residents. However, the structure of the new laws was so ambiguous that it proved to have the opposite effect. At the same time, these new laws left accident victims holding the mandatory PIP coverage at a loss of much needed benefits after an Orlando accident.

At Auto Justice Attorney, we are open advocates for adopting what most states currently use, which is bodily injury coverage. Here are three reasons this coverage benefits policy holders far more than the PIP coverage.

  1. No Emergency Medical Conditions– Under the PIP laws, you could be denied thousands of dollars in benefits if you were determined not to have an emergency medical condition. The problem with this was that emergency medical conditions have such a broad definition that many accident victims were denied benefits they needed and forced to pay for their own medical expenses. This is not the case with bodily injury coverage.
  2. You Can Go to Any Doctor – PIP laws also require that you see an MD to determine your injuries. This ruled out any chiropractors, acupuncturists or anyone else that the accident victim trusted and felt would relieve their symptoms and pain. Under the bodily injury coverage, accident victims are able to see whomever they choose.
  3. Insurance Premiums Are Lower– Looking at studies from across the country, it’s been shown time and time again to be less expensive for policy holders to use bodily injury coverage instead of PIP. This means more money in the pockets of all Florida consumers.

Knowledge Equals Power in Orlando Auto Accident Cases

As the debate rolls on whether or not to use bodily injury protection or continue the Florida PIP laws, our Orlando personal injury law firm will continue to keep you updated on the latest developments. If you have questions about how this pertains to your current Orlando accident claim, contact us to learn more (407-422-4529).

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