Why is PIP Insurance so Important?
Personal injury protection insurance covers you regardless of whether you cause an accident (are “at-fault”) – up to $10,000 minus your deductible amount. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents. To be entitled to PIP benefits, you must receive initial services and care within 14 days after the motor vehicle accident. PIP pays: 80 percent of reasonable medical expenses related to the accident. 60 percent of lost wages as a result of the accident. $5,000 for death benefits. For accidents that happen in Florida, PIP covers you, relatives who live in your home, certain passengers who do not own a vehicle, and others who drive your car with your permission. Pedestrians and bicyclists are entitled to PIP coverage. PIP coverage also provides coverage for acts of violence against the policyholder while driving, including injuries sustained as a result of road rage or a carjacking. For accidents that happen outside Florida but inside the U.S. or Canada, PIP covers you and relatives who live in your home. In this case, you must be driving your own vehicle. People other than you or your relatives are not covered. If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265