How Does Florida Personal Injury Protection (PIP) Work?

Insurance and law are two of the most confusing things on the planet. This article is meant to help Florida residents understand personal injury protection also known as PIP.
So how does PIP work?
Florida Law requires that all owners of a motor vehicle with four or more wheels to carry a minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL).
A common misconception is that if you are in a car accident and the person is at fault then their insurance will cover everything. This is definitely wrong!
Florida is a no-fault state which means that your own PIP coverage is the primary coverage and will cover up to 80% of your own medical bills up to the limits of your policy; regardless of who is at fault.
Another caveat is depending on the coverage held by the at-fault party (i.e. the person who caused the car accident ), their insurance may ultimately cover damages to your automobile and/or other property and their own medical expenses. Also if a demand is made on your behalf, you also may make a recovery for current and future treatment, pain and suffering, and lost wages. You will definitely need an attorney who is highly skilled in handling personal injury cases if this is to happen.
In addition to covering a portion of your own medical expenses, your PIP will cover your child, members of your household, and passengers who may not have PIP Insurance as long as they do not own a vehicle. Also note that passengers in your vehicle and certain licensed drivers who drive your vehicle with your permission who have PIP will receive coverage under their own PIP for their injuries.
Two other instances where PIP may also apply would be:
1) If your child suffers an injury while riding on a school bus, and
2) If you suffer an injury in a crash involving a motor vehicle while Legal Action For Car Accident in someone elses vehicle, as a pedestrian, or as a bicyclist.
Now most people think that their PIP insurance premiums will rise as a direct result of a car accident [] claim and use of their PIP. PIP (a.k.a. No Fault) insurance is intended specifically for that purpose and will not increase due to use of health is your most important asset that you have.
If you are injured in a car accident, do not hesitate to contact Dr. Stringer to discuss your Personal Injury Protection Geico injuries and for a referral to an attorney who can explain to you your legal rights.

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