Tampa Personal Injury Protection Lawyer (PIP)
When it comes to providing financial insurance for your family in case of a traffic collision, no amount of protection is too much. You may already have health insurance and auto insurance, which are both vital, but there is an additional layer of insurance that you may not have heard of. Personal Injury Protection (PIP) is essentially health insurance that can only be used during traffic crashes. The instances in which it can be used includes auto collisions, motorcycle collisions, and if you get hit by a motor vehicle while riding a bike or walking as a pedestrian. And, PIP insurance, which is also called no fault insurance because it covers you regardless of fault, can also be applied to members of your family, as well as certain occupants of your vehicle who did not have PIP insurance at the time of the crash. PIP insurance can also cover your child in the event of a school bus collision, it can cover death expenses, lost wages, and even some expenses related to travelling to and from your medical facility. To find out more about PIP insurance and what plan is right for your family and you, contact an experienced Tampa personal injury protection lawyer today.
Florida’s Minimum Insurance Policies for Drivers
In Florida, all drivers are required to purchase a minimum of $10,000 in PIP insurance and $10,000 in property damage liability (PDL), according to Florida Highway Safety and Motor Vehicles. PIP insurance should not be thought of as regular health insurance. First of all, PIP insurance can only be applied in accidental injuries that stem from a traffic collision, it cannot be used if your child falls off a play structure and breaks a collarbone, or if you come down with an illness unrelated to a traffic collision and need medical treatment at a hospital. Secondly, most PIP insurance policy limits have a $1,000 deductible and a $10,000 limit, meaning that most serious injuries will not be fully covered by PIP insurance. PIP insurance was originally conjured because lawmakers thought it could help free up the courts by decreasing the number of civil lawsuits. It is not intended to replace your regular health coverage, as $10,000 will not go very far in a serious trauma. The average inpatient overnight stay at a Florida state hospital is $2,086, according to Becker’s Hospital Review. Multiple procedures and nights can quickly accrue much greater sums, especially if one or more nights includes a trip to the ICU (intensive care unit), a single night of which is typically over $20,000, and can exceed $40, according to a study catalogued in the U.S. Library of Medicine.
Contact a Tampa Lawyer to Discuss Your Personal Injury Protection Plan Today
While PIP insurance is not a substitute for health insurance, it is a great addition, and can be used to pay for things that normal health insurance would not cover. PIP insurance is a great addition to any family’s pre existing auto and health insurance coverage. Call The Pendas Law Firm at 1-888-573-6327 to discuss the perfect plan for you with one of our Tampa personal injury protection lawyers today.