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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.

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 applicable deductibles. Generally, the following may be covered by no-fault insurance:

  • 80% of medical bills issued in treatment of injury (including prescription costs) charged to personal financing: up to $10,000 or $2,500 for non-urgent cases.
  • Dental expenses
  • Rehabilitative services
  • 60% of total lost wages due to the injury (subject to a $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 not to pay or stop benefits before they run out. The medical provider who has provided the services may choose to file a PIP lawsuit against the insurance company to claim payment. If it is determined that the insurer had no valid reason for not paying the claim within 30 days of receiving the bills, it will be subject to penalties. If you need to claim PIP benefit payments that weren’t paid when due, you can contact our experienced personal injury attorneys for a free case evaluation at 305-265-2266 or complete our claim evaluation form.

If you or someone you know is suffering from a PIP accident, contact Miami Legal Firm to ensure that your rights are protected and to receive the compensation you deserve.