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Florida Personal Injury Lawyers > Melbourne Personal Injury Lawyer > Melbourne Personal Injury Protection Lawyer

Melbourne Personal Injury Protection Lawyer (PIP)

Auto accidents are sadly an everyday occurrence here in Florida. By some estimates there are nearly 200,000 accidents annually in the Sunshine State. Thankfully, most of those accidents do not result in death or serious injury, but even a seemingly minor “fender bender” can incur a hefty bill for medical treatment and car repairs.

Florida has a unique “no-fault” insurance system designed to compensate most accident victims for their out-of-pocket losses. The rules governing this system is often confusing for policyholders and their families. An experienced Melbourne personal injury protection (PIP) lawyer can advise you of your rights and responsibilities in this area. At the Pendas Law Firm, we are dedicated personal injury lawyers with a proven track record of helping Brevard County residents obtain the compensation they are entitled to under the law following a car accident.

How Do PIP Benefits Actually Work?

Anyone who registers a four-wheel motor vehicle in Florida must carry a minimum amount of personal injury protection as part of their auto insurance coverage. PIP benefits form the core of Florida’s no-fault insurance system. The term “no-fault” means that if you are involved in an accident with another vehicle, you typically need to turn to your own PIP coverage first for compensation even if the other driver’s negligence caused or contributed to the underlying accident.

PIP benefits cover the policyholder as well as their children and other household members. They also cover other passengers in a covered vehicle if they do not not own their own vehicle and therefore are not required to have PIP coverage. Conversely, if you have PIP coverage, you are protected if you are injured in an accident while riding in someone else’s car, and even if you are struck by a car while walking or riding a bicycle.

Unfortunately, personal injury protection does not provide 100 percent compensation for your injuries. Under Florida law, a person filing a PIP claim can only receive the following:

  • 80 percent of reasonable medical expenses, up to $10,000;
  • 60 percent of lost income resulting from the accident and associated injuries, up to $10,000;
  • if a covered person is killed in the accident, a death benefit of $5,000 to cover funeral and burial expenses.

Keep in mind that many PIP policies also contain a deductible, which can be as high as $1,000. Florida law further mandates that if you wish to collect medical benefits under personal injury protection, you must receive medical treatment within 14 days of the accident.

Contact The Pendas Law Firm Today

While personal injury protection benefits provide limited no-fault coverage for all accidents, there are situations where a victim sustains more serious injuries that can justify filing a legal claim against the at-fault driver. Under the Florida PIP law, an accident victim must have a “serious” injury to step outside the no-fault system. This includes injuries that result in the significant and permanent loss of a bodily function as well as scarring and disfigurement.

A skilled Melbourne personal injury protection lawyer can review your case and advise you if you are eligible to seek benefits beyond what your own policy allows. Contact the Pendas Law Firm today to schedule an initial consultation.

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  • “I can’t express how much I appreciate this law firm. I had the honor to deal with attorney Daniel. He kept me updated on my case. I couldn’t ask for a better law firm. Daniel fought for me til the end and got me what I deserved. Thanks Daniel and your team for always being there to answer any of my questions. If I ever need a law firm again...”

    Terry Mcphillips
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  • “Wow I called Pendas Law Firm the other day at their main intake line it was around 11 o’clock at night and I’ve got this wonderful representative his name was Jeffrey Alvarez. This guy was very professional and his compassion was out of this world I don’t know what I would do if I could not have got a hold of him...”

    Luis Sanchez
  • “Thank you for helping us in our time of need. This firm handled my father’s workers comp case, and helped us with every question we had, and we had a plenty. Thankful for the entire legal team!”

    Enilno Resu
  • “I just concluded a case with attorney Michael Sanchez and paralegal Camilo Lopez. I can only say they are exceptional. The customer service is unique, they have been battling alongside me since day 1. They are not only courteous and professional, but they also are amazing at their job. Thanks to them I got a great deal. I am glad I decided to use their services...”

    Israel Garcia
  • “Their attorneys are absolutely someone you want handling your car accident claim. They communicated with us promptly and thoroughly. I was very happy with our recovery. Already recommended them to others in the same circumstances, their staff speaks Spanish and you feel like in family.”

    Ian Brito
  • “Very Professional law firm. They explained to you every detail what to do according to the laws (worker’s compensation). Mr. Danilo Cruz is the best Lawyer and his team. They are very kind, friendly, responsible, I love this firm. They fight for their clients. AwesomeTeam!”

    Lau Rod