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      How does PIP, Personal Injury Protection Insurance Work?

      Florida Law Office

      How does PIP, Personal Injury Protection Insurance Work?

      How does PIP, Personal Injury Protection Insurance Work? 1024 549 Personal Injury Law Firm | Ft. Myers, Cape Coral, Naples | Lusk, Drasites & Tolisano

      Accident-PIP-insurance.jpgInsurance of any kind is intended to give you peace of mind when disaster strikes. It’s a safety net in difficult times to help you with loss prevention. In some cases, insurance is actually required, such as auto insurance and now health insurance.

      After an auto accident, you may find yourself in the middle of a car accident case, unsure as to how your Personal Injury Protection (PIP) insurance fits in with everything else. What is PIP insurance? What exactly does it cover? How does PIP insurance work in the state of Florida? And do you need PIP insurance? Let’s take a closer look.

      What is it?

      Whether or not they are at fault, in the great state of Florida each person is financially responsible for the initial $10,000 of their own medical costs that are the result of an automobile accident. Because Florida is a “no fault” insurance state, no one other person can be held responsible for your initial medical expenses. Thanks to this law, PIP insurance is required and will cover your injury costs whether you were at fault or not.

      New residents to Florida can sometimes be confused by PIP insurance and how it works. In fact, they might experience sticker shock when they see that the rates for car insurance are higher as a result of PIP insurance.

      What is covered by Personal Injury Protection?

      Personal Injury Protection insurance protects you in the event of an auto accident. No matter who is at fault, PIP insurance covers the initial cost of your medical expenses. Also, PIP insurance is there for you to cover lost income due to injury and even funeral expenses.

      How is this different from Bodily Injury Liability? As the insured person, PIP insurance covers your injuries as the driver, where Bodily Injury Liability covers the expenses of others involved in the accident if the accident was your fault.

      How does PIP Insurance Work?

      Personal Injury Protection insurance covers three main challenges presented by an injury caused by an auto accident. In the state of Florida, drivers have a few options in terms of who is covered by this insurance though. You may choose to cover only yourself in the event of an accident, or if you want, your PIP insurance can cover members of your family as well.

      The regulations of PIP insurance cover three areas of benefits:

      • Medical Expenses: Depending on what sort of PIP plan you choose, your PIP insurance will cover a portion of your medical expenses based on your coverage and your selected limits. This includes diagnostics, medical procedures, required surgery and medications, your hospital stay and necessary rehabilitation services.

        80% of your medical costs will be covered by your PIP insurance in Florida unless your sustained injuries are deemed to not be an emergency. If this is the case, your PIP insurance will cover $2,500 of your medical expenses.
      • Lost Wages: If you are disabled or unable to work for a period of time as a result of your injuries, your PIP insurance will cover 60% of your lost wages, up to $10,000.

      • Funeral Expenses: Should the unthinkable happen in an automobile accident, your family members would be eligible for $5,000 to cover funeral expenses.

      Do I need Personal Injury Protection Insurance?

      The short answer is yes. If you own a vehicle in the state of Florida, you are required to have PIP insurance, but you are also able to choose the kind of PIP insurance that is right for you. For example, if you have a stellar health insurance plan that will cover most of your medical costs, you may find that the minimum PIP coverage plan is right for you.

      Because Florida is a no-fault state, having PIP insurance is not just sensible, it is legally required if you own a motor vehicle.

      Have more questions about Personal Injury Protection or want some advice as to what kind of plan works best for you? Unsure of how your PIP insurance affects you in the event of an auto accident that wasn’t your fault? Have questions about how an adjuster handles an injury claim?

      At Tusks, Drasites, and Tolisano, we are here to help you navigate the twists and turns of the insurance world and answer your questions along the way. Contact us today for more information on how we can help you today.