Orlando Personal Injury Protection Lawyer (PIP)
With the highly congested streets of Florida, a disturbing number of drivers operating their vehicles while intoxicated (there were 40,677 DUI arrests in 2014, according to Mothers Against Drunk Driving), and the rising number of distracted cell phone users, it is most likely only a matter of time before you are involved in an accident. It is not if, but when. Any type of collision is not only traumatic, but incredibly frustrating as well. Being reimbursed for all of your medical costs and property damage without some sort of legal headache along the way is a rarity. And, with Florida’s incredibly high rate of uninsured drivers on the road, the process can be even more frustrating. If a driver has no insurance, it is likely that you will not be able to get very much out of them from their personal assets. Luckily, your own insurance will cover your expenses up to your policy limit. Additionally, there is another financial safety precaution to take as well: personal injury protection insurance, called PIP insurance for short. Our Orlando personal injury protection lawyers can help you acquire PIP insurance today to ensure you have one more layer of protection for that unlucky day that will unfortunately most likely come at some point when you least expect it.
The Benefits Of Personal Injury Protection Insurance
The best way in which to envision PIP insurance is that it acts as an add on to your health insurance. In fact, PIP insurance actually covers some expenses that your normal health care coverage would not cover. However, PIP insurance can only be used in vehicle accidents, when you are a pedestrian, and when you are a cyclist. And, it can be applied to every passenger in your vehicle, regardless of fault. This means that you will be covered by PIP insurance whether you caused the crash or another party was the culprit. However, it is not a replacement for your normal auto insurance or health insurance. Most policy limits reach $10,000, with a $1,000 deductible necessary up front, which means that of your injury expenses, you pay the first $1,000, according to Florida state statute 627.736. PIP insurance can also pay up to 60 percent of a victim’s lost wages, and in some cases can be used to cover travel expenses to and from medical facilities. If there was a fatality in the auto collision, PIP insurance will pay for up to $5,000 in the death expenses. Originally designed to free up the courts by decreasing the number of lawsuits filed from on driver to another, acquiring PIP insurance does not mean that you won’t be able to file suit against the liable party. In fact, because the average cost of medical expenses in a car accident greatly exceeds the PIP policy limit of $10,000, you may need to file for additional compensation.
Let Our Orlando Personal Injury Protection Lawyers Help You Today
Our Orlando car accident & personal injury protection insurance lawyers at The Pendas Law Firm can help you with any of your insurance needs today at 1-888-573-6327. Reach out to us at our Orlando office for immediate assistance.