Grappin Clinic: Florida Car Accident Injury & Automobile Insurance Facts
- By Grappin Clinic
- •
- 20 Mar, 2019
- •
Automobile Accidents in Florida and the Minefield of PIP Insurance Coverage
What happens when you get injured in a car accident in Florida? What rights do you have to insurance coverage?
Florida law generally requires motor vehicle owners to carry PIP insurance. "PIP", which stands for Personal Injury Protection, provides insurance coverage to the motor vehicle owner for bodily injuries sustained in consequence of the ownership, maintenance, or use of a motor vehicle. In other words, if you get injured in a car accident, you should be able to recover insurance benefits from your own PIP insurer.
What is specifically covered under PIP? PIP generally covers up to 80% of your reasonable medical expenses, 60% of your lost wages, and the expense of your household-related services which are needed to be performed during your incapacity due to the car accident. However, current law in Florida will only permit you to recover medical expenses under PIP if you received medical attention within 14 days after the motor vehicle accident. That is why it is very important for you to get medical attention right away after you sustained injuries in a car accident.
What is specifically covered under PIP? PIP generally covers up to 80% of your reasonable medical expenses, 60% of your lost wages, and the expense of your household-related services which are needed to be performed during your incapacity due to the car accident. However, current law in Florida will only permit you to recover medical expenses under PIP if you received medical attention within 14 days after the motor vehicle accident. That is why it is very important for you to get medical attention right away after you sustained injuries in a car accident.
What are the limits of PIP?
PIP provides insurance benefits, as defined by Statute, up to a limit of $10,000. However, the PIP Statutes will limit your right to recover to $2,500 if a medical provider determines that you did not have an "emergency medical condition." The PIP Statutes define an emergency medical condition as a medical condition manifesting itself by acute symptoms of sufficient severity that could result in serious jeopardy to the patient's health.
What happens when you exhaust your PIP benefits? If your damages exceed what you were able to recover under PIP, then you may be able to seek recovery from the person whose negligence caused your injuries and/or that party's insurance carrier. There is also the potential of recovering benefits from your uninsured motorist insurance carrier. Uninsured motorist coverage is not mandated under Florida law. As a general rule, if you have this coverage, your uninsured motorist carrier will cover you for any damages you sustained which exceeded what you were able to recover from the liability insurance carrier of the person who caused your injuries.
What happens when you exhaust your PIP benefits? If your damages exceed what you were able to recover under PIP, then you may be able to seek recovery from the person whose negligence caused your injuries and/or that party's insurance carrier. There is also the potential of recovering benefits from your uninsured motorist insurance carrier. Uninsured motorist coverage is not mandated under Florida law. As a general rule, if you have this coverage, your uninsured motorist carrier will cover you for any damages you sustained which exceeded what you were able to recover from the liability insurance carrier of the person who caused your injuries.
So, if you get in a car accident in Florida, you would (a) seek coverage from your PIP insurer, (b) seek to recover any additional damages from the liability insurer of the person causing your accident, and (c) seek any additional coverage from your uninsured motorist carrier.
Since these matters can get complicated, you would most certainly need the assistance of a trained attorney.
We hope this article helps.
This article was written by attorney Joe Rosen. Joe practices law in Palm Beach County, Florida. You can reach Joe at 954-560-7538 or visit his site at http://www.rosenlawboca.com/boca-raton-car-accident-lawyer/
Since these matters can get complicated, you would most certainly need the assistance of a trained attorney.
We hope this article helps.
If you've been injured in an accident and need a medical evaluation call Grappin Clinic today at 941-426-9551.
We have extensive knowledge and experience with car accident injuries and working with insurance providers, as well as treatment of injuries sustained.
.
.
This article was written by attorney Joe Rosen. Joe practices law in Palm Beach County, Florida. You can reach Joe at 954-560-7538 or visit his site at http://www.rosenlawboca.com/boca-raton-car-accident-lawyer/
What if you could reduce stress by visiting a chiropractor? And what if we said there are other notable benefits of chiropractic care that go beyond reducing aches and pains? Well, keep on reading if you want to know more.
Do you want to know the keys to improving your quality of life and your body? Well, there are a few things that all of us can do every day that can help get us there.
If you don’t know what you’re supposed to do after being in a car accident, with TBI or not, don’t worry. Keep on reading to learn everything you need to know about TBI and car accident injuries.
Personal injury attorneys often emphasize the significance of meticulous record-keeping and provide valuable tips for effectively documenting your injuries. This article explores why documenting your injuries is essential and offers practical advice for doing so.
There are various types of massage therapies, including sports massage, trigger point massage, deep tissue massage, and Swedish massage. Although these treatments can range in pressure, they all offer invaluable benefits for the body, mind, and spirit. Read on for the top six benefits of massage therapy.
Classic clues of an out-of-balance gut include: feeling tired much of the time, catching colds easily and more often, allergies, food sensitivities, and having frequent gastrointestinal issues like gas, bloating, diarrhea, and constipation, etc.
Chiropractic adjustments and techniques are a range of therapeutic approaches that are used to treat joint dysfunctions and musculoskeletal pain, as well as other health issues. Read on to learn if it's right for you...
Are you looking for a new, effective way to improve your physical health? Medical massage therapy is here to provide the natural health benefits you need. From optimizing circulation to relieving muscle tension and inflammation, medical massage is a powerful treatment for pain reduction and overall wellness.
