Car Accidents and PIP Insurance: What you need to know!

What is PIP?  “PIP” stands for Personal Injury Protection and is the insurance that pays you for injuries sustained in a car accident.  In Florida, by law, you are required to carry PIP insurance coverage up to coverage amounts of $10,000.  It can cover medical expenses and medical bills for you and anyone covered on your policy.  It can also cover lost wages, rehab costs, and a death benefit if you’re in a fatal car crash.  However, damages to your vehicle, theft of your vehicle or damage to someone’s property IS NOT covered by PIP Insurance.

In Florida, PIP requires injured victims to seek medical care within 14 days of their traffic accident to file a claim.  It’s referred to as the “14 Day” rule.  Failing to comply with the 14-day statute can cost you your insurance claim as well as a loss of untold compensation.  Injuries can sometimes take days or weeks following an accident to reveal themselves.  So even if you don’t think you’ve been injured, it’s usually a good idea to see a medical professional and do a full examination as soon as possible after an auto accident.

If you have any questions about PIP insurance or your rights, we have attorneys standing by to speak to about how to file a PIP claim.  Call Fonvielle Lewis Messer & McConnaughhay, Personal Injury Law is all we do!