Ocala Personal Injury Protection Lawyer (PIP)
Florida is one of only thirteen states in the country that requires personal injury protection (PIP) auto insurance, otherwise known as “no fault” auto insurance. But what is personal injury protection, and how does it help you in an accident? At the office of Marianne Howanitz, P.A., our Ocala personal injury protection lawyers represent car accident victims and ensure they receive the maximum compensation possible for their claims.
Florida Personal Injury Protection Law
Under Florida law, every vehicle registered in the state is required to have auto insurance, and as an extension of that insurance is required to have a minimum of $10,000 personal injury protection. The purpose of personal injury protection is to cover the cost of your injuries sustained in an accident, regardless of who is at fault. PIP is paid by your own insurance company, not the insurance company of the other party involved in the accident. In Florida, you choose whether the personal injury protection covers just yourself or other members of your household.
What is Covered Under PIP
Personal injury protection covers three principal areas: medical costs, lost wages, and death benefits. Under medical costs, PIP typically covers ambulance expenses, diagnostic testing, emergency medical services, medication, surgery, rehabilitation, and other hospital bills. Personal injury protection will also cover lost wages following an accident if you are unable to work because of your injuries. If the policyholder or someone covered by the PIP policy dies in an accident, personal injury protection covers funeral and burial expenses up to $5,000 to their next of kin.
Limitations of Personal Injury Protection
While personal injury protection does cover many of the larger costs involved in the immediate aftermath of an accident, there are some limitations to coverage. For medical coverage, Florida personal injury protection will not cover alternative medical procedures, such as acupuncture. Furthermore, PIP will only cover 80% of your medical costs, up to $10,000, if it is emergency care. For non-emergency medical expenses, personal injury protection will only cover up to $2,500 of benefits. Most importantly, personal injury protection only covers treatment for injuries that happen within two weeks of the accident. If you wait to receive treatment, you risk losing PIP coverage for your medical bills.
Limitations also exist for personal injury protection and your lost wages. PIP will cover only 60% of your lost wages, up to the $10,000 limit. This includes payment for day-to-day services you normally perform, such as household chores and taking care of family and pets.
Right to Sue
Just because you have personal injury protection does not preclude you from suing the other party in the accident for damages. PIP only covers a percentage of your overall costs in an accident, and Florida law allows for you to sue for any additional costs incurred beyond your personal injury protection. This includes medical costs above the $10,000 limit, bills resulting from disfigurement or death, and any emotional distress caused as a result of the accident.
Contact an Ocala PIP Lawyer Today
Personal injury protection is a complex area of insurance, and you need someone to help you navigate the process with your insurance company. At Marianne Howanitz, P.A. in Ocala we are here to make sure you receive full personal injury protection benefits following an accident. Contact us today toll free at 855-512-0444 to schedule a free consultation of your claims.