Importance of Personal Injury Protection (PIP) in Florida
In America, the ratio of car accidents has been growing at a rapid rate for the past two decades due to the negligence of the auto drivers. Folks are driving while using mobile phones, text messaging or eating. These distractions are causing several terrible accidents. The masses lose their family members, face medical bills, car repairs, pain and suffering after accidents. These troubles cannot be diminished completely, but PIP gives some relief to some extent. Florida is one of the ten provinces that have Personal Injury Protection auto insurance, also entitled Florida No-Fault Insurance. The PIP coverage provides injured drivers in Florida up to $10,000 immediate medical coverage if the driver has no fault in vehicle collapse.
In Florida, all holders of registered motor vehicles with four wheels are needed to purchase PIP coverage. By buying PIP coverage, the person goes to his own vehicle insurance policy to gather for his injuries in an auto-collapse despite whether he caused the accident. Besides it, you can sue the person with the help of Walter Benenati Personal Injury Attorney, if you got serious injuries due to other negligence.
Coverage under PIP Florida:
Like in Michigan and New Jersey, Florida PIP covers lost wages, medical costs, and death benefits.
Ø Medical Costs:
The majority medical costs are covered by PIP with the exemption of trendy, except extensively accepted practices such as acupuncture. In other provinces, PIP will usually cover the injuries of anybody in your home, however, in Florida you can select either yourself coverage or other residents in your home. The following is entitled to a PIP claim:
- Surgical Services and Hospital Expenses
- Medical Services and Medication
- Diagnostic Services
- Ambulatory Services
- Rehab Costs
Florida government sets only 80% of medical costs are covered by PIP as compared to other states. For instance, if you have injuries which cost $20,000, PIP will only pay for $16,000 worth of that. In addition, if your injury is not measured an emergency, you will actually only be allowed to $5000 worth of benefits. If you have a high-quality health insurance policy, it ought to be able to take care of the rest of the costs, however, make sure it will cover car accident injuries.
On the other hand, you can get assistance from Walter Benenati Personal Injury Attorney to get your compensation.
Ø Economic Benefits:
If you are injured in an accident and are disabled, the Florida government will pay up to 60% of your lost wages under PIP, subject to a $10,000 limit. This payment also consists of services you would usually perform, but now cannot do due to the accident. These services include daily chores like doing laundry, cleaning the house, taking care of pets, etc.
Ø Death Benefits:
If the policy owner were killed, PIP would disburse for their burial and funeral expenses. You, or your next of the family, are allowed to $5,000 for those associated costs.
When and How to File a PIP Claim:
Florida has strict regulations to follow while filing a claim for PIP. The most significant is that treatment for any injuries must do within fourteen days of the car accident to be entitled to PIP compensation. Otherwise, your claim will not be acknowledged after 14 days. Because of a high incidence of insurance swindle in the state of Florida, your insurer has up to sixty days to inspect your claim for any mendacity but must disburse for your damages within 30 days, though there is suspicion. If your case is not simple, or your insurance company is giving you troubles, it is a good idea to get assistance from Walter Benenati Personal Injury Attorney to make certain you get your payment meanwhile; you should keep a record of all of your medical expenses following the accident.
For the work loss payback, you have to submit your wages or salary authentication that is filled out by your company. The verification documents of your salary must be 13 weeks former of the accident. Walter Benenati Personal Injury Attorney can help in ensuring your employer fills out the authentication in a timely manner. You may also be needed to obtain a note from your doctor, who details how you are disabled.