Florida has the highest number of car accidents compared to other states.
The Highway Safety and Motor Vehicles Department of Florida noticed increasing car accidents. In fact, 403,696 car accidents occurred in Florida in 2018. The startling statistic is a 0.31% increase from the previous year.
Car accidents tend to result in injuries, time off from work, or incurred debt. Oftentimes it’s a combination of the three.
Personal injury protection, or PIP, is part of some types of car insurance. This protection policy covers medical expenses. It can also cover up to sixty percent of lost wages and other damages.
How PIP Works in Florida
Florida is a no-fault state. This means that anyone involved in a car accident must file a claim with their insurer.
In no-fault states, insurance companies pay their clients. They do not pay compensation to other parties involved in an accident. PIP is mandatory under Florida law. It serves to prevent people from suing each other.
You can sue other parties involved in an accident so long as medical bills do not exceed $10,000. You are also entitled to sue for emotional damages and trauma.
Is PIP for Me?
Anyone with car insurance in Florida is entitled to receive PIP.
If you have been in an accident and received injuries, please seek medical treatment. You have two weeks following treatment to file a PIP claim.
Insufficient claims for PIP benefits will be denied. Claims are insufficient if they do not meet the standards set by the state of Florida. If your insurer refuses to payout PIP benefits, a personal injury attorney can help. Many personal injury attorneys in Florida specialize in PIP claims.
How Much Does PIP Cost?
Car insurance quotes and PIP premiums vary between companies. We recommend talking to several local insurers to determine your most affordable rate.
The highest amount of PIP benefits offered in Florida is $10,000. To reduce the cost of PIP premiums, consider using a higher deductible. The highest deductible available is $1000.
Note that you are still obligated to pay 20% of your medical bills that aren’t covered by PIP. Having the highest deductible does not negate this obligation.
How to File a PIP Claim
You must treat injuries incurred during a car accident within two weeks. Failure to comply will result in the denial of a PIP claim.
Insurance companies must payout within thirty days of your claim. Despite this, insurance companies have sixty days to ensure a PIP claim is valid.
Contact a personal injury lawyer if your insurer refuses to pay out within thirty days.
How Much Does PIP Pay Out?
The maximum PIP available in Florida is $10,000.
Damages Beyond the PIP Maximum
Medical expenses, wage losses, and other damages add up. These expensive and unexpected costs often exceed the total covered by PIP.
Hire a personal injury attorney to fight for compensation when this occurs. Our attorneys will ensure you receive the best financial compensation available.
Suing for Compensation
Medical expenses and emotional trauma often exceed the costs covered by PIP.
You have the right to sue other parties involved in an accident for further compensation. Fill out the form on our homepage for a free case evaluation.
For a free consultation over the phone, call us at (561) 623-3681. Our attorneys are hard at work to ensure you receive the best possible outcome.
When to Contact a Personal Injury Lawyer
Contact a personal injury lawyer to evaluate your case following a car accident. We fight to compensate for injuries sustained during accidents, or which occur on-scene.
We will fight your insurance company on your behalf for a payout.
The LaBovick Law Group
The LaBovick Law Group has represented clients in South Florida since 1992.
We serve clients from several counties in Florida, including Palm Beach, St. Lucie, Broward, and Dade. We also serve clients throughout the rest of the United States.
Our law group has many areas of expertise. We specialize in injuries, accidents, and wrongful death lawsuits. It is our mission to provide compassionate representation for our clients. We fight for justice and compensation on behalf of our clients.
The PIP Claims & Collections Division
Did you know that the LaBovick Law Group has a special division dedicated to PIP claims?
Some insurance groups underpay or refuse to pay PIP benefits to medical providers. Our division works with medical providers to recover those funds. We ensure the coverage of our clients.
Our Claims & Collections team has experience dealing with insurance companies. We hold insurance companies accountable to ensure our clients’ satisfaction.
Read about how our PIP Claims and Collections Division can help you.
Our Success Stories
Our group focuses on getting our clients the results they deserve. We turn to settlement when that doesn’t happen.
We strive to take unfortunate situations and turn them around for our clients. The success stories featured on our website prove our capability.
Top Rated Personal Injury Lawyers
The LaBovick Law Group is home to various top-rated lawyers.
In 2020, the Super Lawyers List selected three of our attorneys to showcase. This list is exclusive and focuses on outstanding attorneys in specific areas.
The Florida chapter of this list showcases the top five percent of attorneys in Florida.
We pride ourselves on providing clients with top-quality service. It is an honor for us to feature on the Super Lawyers list this year.
Visit our website to learn more about the services we provide.
