Are you hoping to avoid Personal Injury Protection (PIP) insurance disputes? PIP laws in Florida changed in 2012. Now more than ever, you should understand the laws that govern your ability to recover your PIP benefits.
PIP laws are part of Florida’s no-fault car accident system. The Florida Legislature aimed to provide a swift, virtually automatic system for paying medical expenses and lost wages related to an Orlando auto accident. Unfortunately, through years of legislative infighting and consistent and protracted PIP insurance disputes, the system has become anything but effective and often ends up hurting victims like you.
Get the justice you deserve by hiring an Orlando PIP & no-fault insurance attorney to assist you in settlement negotiations following severe accidents and injuries.
The Florida Legislature enacted PIP laws to limit the number of occasions on which people will be filing lawsuits against other drivers. The only way you can now sue another driver following a car accident is when your injuries and damages exceed the $10,000 PIP coverage maximum. This law means that when you suffer injuries in a car accident and have $100,000 in medical bills, you can sue the other driver for the remaining $90,000 that PIP insurance does not cover.
Some victims can also sue other drivers for pain and suffering or other non-economic damage claims, but these can be more difficult to pursue. Always consult a lawyer when considering any additional action relating to a PIP claim.
What is PIP Insurance?
Florida requires Personal Injury Protection car insurance. It compensates victims for injuries sustained in a car accident. It typically covers the policyholder, their relatives in the same household, passengers without PIP coverage, and other authorized vehicle drivers. It covers occupants of the insured vehicle and policyholders and their immediate family members if they are riding in another vehicle or if a car hits them when they are a pedestrian.
PIP insurance disputes arise when you are trying to recover PIP benefits after an accident and are unable to do so. There are bound to be many more cases where insurers deny Florida residents’ claims as they try to recover benefits thanks to recent changes in the PIP laws in Florida. 2012 saw some legislative changes that may make PIP insurance disputes more common in car accident cases.
Many medical expenses have coverage under PIP policies, with some exceptions for specific, less-common medical practices. PIP may cover medical services, medication, surgery, hospital expenses, rehabilitation costs, and ambulance rides.
The catch to the Florida PIP system is that only 80 percent of medical costs get coverage under PIP, meaning that if you have $10,000 in medical bills, PIP only covers $8,000 of that amount. When an injury does not require emergency treatment, a person can only recover $2,500 worth of benefits.
When injuries result in time away from work, Florida PIP pays for up to 60 percent of your lost wages with a $10,000 limit. The amount may also include household services a person typically provides but cannot because of an accident.
When a PIP policyholder loses their life, PIP pays for funeral and burial expenses and many of the above benefits. A party can recover $5,000 for such costs.