Personal Injury Protection (PIP) Auto Insurance Benefits
After being involved in a motor vehicle accident (car, motorcycle, truck, etc.), people are often confused about who should pay the medical bills. In Florida, the law requires every owner/driver of a motor vehicle (motorcycles are excluded) to carry $10,000.00 of Personal Injury Protection (PIP) insurance coverage. PIP is sometimes also called, “no-fault” coverage. PIP covers you, even if you were at fault. Following an accident, PIP benefits are paid by your own insurance company, regardless of who was involved in the accident. Unfortunately, PIP does not pay one hundred percent (100%) of your medical bills and lost wages. PIP only pays eighty percent (80%) of your medical bills and sixty percent (60%) of your lost wages, up to $10,000.
Often, Personal Injury Protection insurance coverage can reimburse you, up to eighty percent (80%), for the mileage of your travel to and from your appointments with various medical providers. PIP also reimburses for prescriptions, as part of their coverage, but only if you have an itemized statement detailing the name of the medication, the prescribing physician, and the amount you paid. Often, your insurance carrier will pay these medical bills (and the other expenses discussed in this post), regardless of liability. Most people are unaware they only have fourteen (14) days to seek medical treatment after an accident, for injuries sustained in that accident, before they lose their $10,000.00 PIP coverage.
Having an experienced and knowledgeable lawyer to help protect your rights is important. If you have been injured in a motor vehicle accident, in order to better understand and protect your rights, contact the seasoned attorneys at Lancaster and Eure, who will fight aggressively to make sure you receive the benefits you deserve. Each attorney gives every client unique and personal attention. Call us for a free consultation (941) 365-7575, or, feel free to contact us online.