Florida Personal Injury Protection Lawyer
2.44 million people were injured in motor vehicle collisions last year, according to the National Highway Traffic Safety Administration. Fatalities reached levels not seen 2009, and the 7.2 percent increase in fatalities represents the largest increase in almost a half century. With traffic collisions and fatalities on the rise, due to more people driving on the roads and the rampant use of cell phones behind the wheel, it only makes sense that the more financial coverage you can get, the better. Crashing is rare, on an individual basis, but even more rare is going through a lifetime of driving without being in a crash. In fact, the odds of that are incredibly low.
The average driver is in a serious collision once every 17.9 years, in fact, according to Forbes. That means that you will most likely be involved in three to four collisions throughout your driving lifespan, more if you take into account a childhood. There are many types of insurance, and having good quality auto insurance and a health insurance plan for you family are the best two things you can do other than driving attentively and safely at all times. However, PIP insurance can provide an additional barrier, and can also help families and individuals that are not able to afford health insurance, which is typically over $200 a month for just a single person. PIP insurance helps add a financial safety net to all drivers. Contact us today to discuss the benefits of PIP insurance and how to acquire it with one of our Florida personal injury protection lawyers today.
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What is Personal Injury Protection and How Does it Work?
It makes more sense to think about PIP insurance as health insurance, rather than automobile insurance. PIP is insurance that pays your medical bills, just like health insurance does, when you are hurt in an automobile accident. PIP insurance does not apply to other accidents outside of motor vehicle collisions, and it cannot be used to pay for illnesses that were not related to an auto crash. However, one of the best aspects of PIP insurance is that it doesn’t matter if the crash was your fault or not (that’s why it’s also called “No-Fault Insurance”). Our Florida personal injury protection lawyers serve clients in Orlando, Tampa, Fort Myers, Jacksonville, West Palm Beach, Fort Lauderdale, Miami, Broward County & Miami-Dade County.
PIP insurance also protects you when you are in someone else’s vehicle. It doesn’t matter if you are driving, a passenger, in your car or someone else’s. It doesn’t even matter if you are walking or on your bicycle. If you are involved in an accident with a car or any type of motor vehicle, your PIP insurance pays your medical bills.
The Limitations of Personal Injury Protection Insurance
There are some limitations you need to know about, just as there are with any type of insurance, if you are considering purchasing PIP insurance. Most people have a deductible of $1000 on their policy. If you do, you are responsible for the first $1000 worth of bills. PIP insurance usually pays for 80% of all the bills after that, up to a total of $10,000. That means you have to cover 20% of the bills. Typically, if you use up all of your available PIP coverage, you will end up owing about $3000. If you were not at fault, and the person who is at fault has Liability Insurance, then we can help you recover that money from them.
PIP Insurance Also Helps Out with Your Lost Wages and Travel Expenses
Unlike health insurance, PIP also pays for non medical expenses. PIP can also pay you for 60% of your lost wages, and for mileage expense getting to the doctor. Both of these qualities of PIP can be the tipping point for many of our clients when deciding whether or not to purchase PIP insurance, as these can both be crucial aids during your recovery time. Our firm can help you apply for whatever reimbursements you need to help get you back on your feet. Knowing that you are financially taken care of after a horrific motor vehicle collision brings peace of mind that will help reduce the stress of an incredibly stressful situation. And, the less stress you feel, the faster you recover. If you have an automobile accident and you or someone you know gets hurt, call us as soon as you can.
Contact our Experienced Florida Personal Injury Protection Lawyers
We have all had close calls on the highway after a long day at work, and if you have had such a hair-raising day, do not hesitate to contact us today to discuss the option of adding on this extra financial protection that can make all the difference in the event that that close call is more than just close. It doesn’t cost any more to get us working for you from the beginning, so there’s no reason to wait. Contact our Florida personal injury protection lawyers, we have offices in Orlando, Tampa, Fort Myers, Jacksonville, West Palm Beach, Fort Lauderdale and Miami.