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What Role Does PIP Insurance Play in a Florida Car Accident Claim?

PIP stands for personal injury protection, a form of car insurance that is offered by several U.S. states outside of Florida. Florida has mandatory PIP coverage and the purpose of this protection is to cover medical expenses and sometimes other damage caused as a result of the accident, like funeral expenses or lost wages.

PIP may also be referred to as no fault coverage since in the event that you need to file a claim, the plaintiff’s insurance premium should not be penalized in any way.

However, in some severe Florida car accident cases, the cap of your personal injury protection coverage may be exceeded quickly if you have serious medical bills.

Florida drivers are required to have a minimum of $10,000 in personal injury protection. PIP gives compensation to individuals injured in a car crash regardless of who is at fault for the accident.

How Do I Know I Have Critical Injuries?

What Role Does PIP Insurance Play in a Florida Car Accident Claim?Be aware that some of the worst injuries might not be immediately apparent. You might feel fine for a couple of hours after the accident and then realize, for example, that you have a headache or that the pain is growing worse.

This is why you should always get medical attention after an accident even if you think you don’t need it.

Your doctor might discover signs of a traumatic brain injury, and being tested and getting treatment right away can help all kinds of medical problems.

If you’re suffering from pain on a regular basis or having trouble going back to work days or weeks after the accident, this is a sign that you may have severe injuries. Serious injuries warrant a conversation with a personal injury attorney.

The Importance of Getting Medical Treatment Immediately

For a car accident victim in Florida, the only way to protect your PIP benefits is to receive medical treatment for the injuries sustained in the accident within 14 days after the accident.

If you fail to do this, you will be ineligible to receive benefits under your personal injury protection coverage.

If you do not have what’s classified as an emergency medical condition, you will not be eligible to receive more than $2,500 in benefits from your personal injury protection coverage.

Florida law classifies an emergency medical condition as one that would require immediate medical attention and could be expected reasonably to result in serious jeopardy to your health.

If you have been critically injured, $2,500 may not cover the full range of your medical treatments.

Learn More : Medical Treatment After a Car Accident

After your PIP benefits have been exhausted, a Florida car accident attorney could help you recover additional compensation by filing a personal injury lawsuit.

In order to file a personal injury lawsuit after you have exhausted PIP benefits, you must have sustained permanent and serious injuries.

Some of these include:

  • Paralysis
  • Broken bones
  • Amputations
  • Traumatic brain injury
  • Spinal cord injury
  • Back injury
  • Permanent scarring or disfigurement

Get Help with the Insurance Company and Your Legal Claim

One of the most complicated aspects of handling a personal injury claim in Florida after a car accident happens is that the insurance company may attempt to minimize the injuries classifying them as non-serious or as temporary.

If this is the case, then your Florida car accident lawyer could be critical for helping to present information that indicates the true severity of your injuries.

Your medical records, for example, will likely be the most important piece of evidence to help you qualify for damages through a personal injury lawsuit.

Many car insurance companies handling your claim will request that you undergo what’s known as an independent medical examination. This involves a meeting with a physician of insurance company’s choosing.

Since the insurance company has an established financial relationship with the physician conducting the evaluation, he or she may not always give a clear and unbiased medical opinion about your injuries.

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Don’t Waste Time! Call a Knowledgeable Florida Car Accident Attorney

Do not sign any paperwork without first speaking to your lawyer when you attend this initial consultation with a physician. Meeting with your Florida car accident attorney in advance of your evaluation with a physician can help to protect your rights.