What Does PIP Insurance Cover?

PIP Insurance, or Personal Injury Protection insurance, is an extension to car insurance in Florida that covers the policyholder in the event that they are injured in a car accident. PIP is required in the state of Florida, which some people may take issue with, but this coverage can be a major help for a few important reasons.

For starters, there will be no question of who was responsible for the accident. With a “no-fault” policy like this, it means that even if you were 100% at fault, you will still be able to get repaid up to your policy limit ($10,000) for your injuries.

Do I Need a Personal Injury Protection Policy?

A PIP is required by law in Florida. Even if it were not required, it would be a good idea to have in order to protect yourself from unnecessary debt after an accident. If the additional costs are an issue, you can work with your insurance provider to adjust your deductible in order to adjust the cost.

I Was Hit By Another Driver, Should I Collect On My PIP?

You only have two weeks after the accident to file for your PIP payment, and it is a good idea to do so if you have any medical expenses or have missed any work. If your injuries exceed the $10,000, or your insurance company is making it complicated to get your payout, it is a good idea to contact a lawyer to discuss your options. A company like 1-800 INJURED works with injured parties to connect them with qualified personal injury attorneys in Miami, and takes a lot of the legwork out of finding the right lawyer for you.

What Is Covered By My Personal Injury Protection Policy?

If you are in a car accident, your insurer will not require that you prove you were not at fault for the accident. They will, however, require that you submit proof for everything you are attempting to collect insurance for. You are able to collect payments for the following issues after an accident through your PIP:

Medical Services

This includes doctors appointments, medical consultations, x-rays, MRIs, ambulance costs, and more.

Surgical Costs

If you have to undergo surgery, your PIP will pay towards the costs.

Medication

Any medication that you must buy as a result of your accident can be included in your PIP reimbursements.

Recovery Costs

This can include things like crutches or wheelchairs, physical therapy sessions, splints or air casts, or any other payments that you have made towards your recovery. In addition, you can request reimbursement for expenses related to things you needed to hire for that you would normally do yourself if you were not injured or recovering.

Lost Wages

If you are unable to immediately return to work, your PIP will pay out 60% of your lost wages.

Death

If the person who holds the Personal Injury Protection policy is killed in the accident, their next of kin would be eligible to request a payout for funeral expenses and other associated costs.

If Your Injuries Exceed Your PIP, Contact A Lawyer

Your PIP does not waive your right to filing a personal injury lawsuit or seeking other options to collect damages after an accident. A PIP is a good way to put money towards your medical expenses right off the bat, but speak with an attorney to discuss the specifics of your accident, and understand any additional options you may have.