Personal Injury Protection – NO Fault Law

What Is PIP No Fault Law?

Personal injury protection (PIP) is an insurance coverage that is available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as “no-fault” coverage, because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard to “fault,” or more properly, legal liability. In the state of Florida, all registered owners of vehicles are required to carry PIP coverage.

Conducting a lawsuit for unpaid medical bills.

What You Need to Know

In order to become eligible for Personal Injury Protection (PIP), you must receive medical care for your injuries within 14 days after the accident. Failing to do so can prohibit you from being qualified for benefits under PIP coverage.

 Limits on No-Fault Insurance

No-fault insurance reimbursements are calculated after any applicable deductibles. Typically, the following may be covered under a no-fault insurance:

  • 80% of medical bills incurred in the treatment of the injury (including prescription costs) from personal finance – up to $10,000 or $2,500 for non-emergency cases
  • Dental expenses
  • Rehabilitative services
  • 60% of total wages lost due to injury (subject to the $10,000 limit)
  • Up to $5,000 in death benefits
  • Reimbursements for travel expenses incurred to visit your doctor

From time to time, insurance companies will decide to not pay or cut benefits off before they are exhausted. The medical provider who has rendered the services can elect to file a PIP lawsuit against the insurance carrier to claim payment. If it is determined that the insurer did not have a valid reason to not pay the claim within 30 days of receiving bills, they are subject to penalties. If you need to claim payments for PIP benefits that were not paid when due, you can contact our experienced personal injury attorney to receive a complimentary case evaluation at 305-265-2266 or by filling out our claim evaluation form.