Personal Injury Protection (PIP) Coverage in Cape Coral
Florida law requires all automobile insurance policies to provide Personal Injury Protection (PIP) coverage. But over the years, I find that many people don't really understand how PIP works.
If you are involved in an automobile accident, your auto insurance company will pay 80% of your medical bills and 60% of your lost wages, up to a combined total of $10,000. It doesn't matter if you were at fault in the accident, PIP will still provide coverage. That's why Florida is called a No Fault state.
Here are some additional facts you should be aware of-
- You must seek medical treatment within fourteen (14) days of the accident. Failure to do so may allow your insurance company to deny you PIP benefits.
- Your PIP benefits will be limited to $2,500 unless a medical doctor states that your medical condition is an Emergency Medical Condition (EMC). If a doctor states that, then you are entitled to the full $10,000 coverage.
- If you do not own an automobile, or your vehicle is inoperable, then you can collect PIP benefits from either the car you were in at the time of the accident or the insurance of a relative who lives with you.
- You can reserve all, or part of your PIP benefits for lost wages. This can be arranged if you are going to be off work for a long period of time and you have health insurance that will pay your medical bills.
- If you own an operable automobile that has no insurance, you will not receive PIP benefits from any other policy.
- PIP benefits are not available if you are injured in the commission of a felony.
- PIP provides $5,000 in death benefits if a person is killed in an automobile accident.
- Your insurance company can try to terminate your PIP benefits by sending you to a doctor or chiropractor of their choice. If that person says further treatment is no longer necessary, your auto insurance will terminate your coverage. Your option is to fins=d a lawyer to file what is known as a PIP suit to contest the termination of benefits.
The PIP law has been changed many times over the years, and most likely will continue to be modified in the future. There have been many attempts to eliminate PIP all together, as insurance companies believe PIP is a source of insurance fraud or over billing. So if you have a question about PIP coverage, feel free to contact our office.