Ocala Personal Injury Protection Lawyer
Who you get hit by matters. If you get injured in a car, bike, or motorcycle wreck, or get hit by a motor vehicle as a pedestrian, there is an unfortunately high chance that the negligent party will not have a large enough insurance policy to pay for your damages. In fact, there is a good chance that the negligent driver will not have any insurance at all. This is particularly troublesome for victims who do not have health insurance, or have very high deductibles. If this worries you, as it should, there is good news. Personal Injury Protection (PIP) insurance can be purchased at a relatively low cost to increase your financial shield against negligent drivers. In fact, PIP insurance can be applied to your hospital bills and other expenses even if you are found to be at fault for the crash. The Ocala personal injury protection lawyers at The Pendas Law Firm can help you file a lawsuit against the party who caused your injuries if you were recently involved in a traffic collision.
How Personal Injury Protection Insurance Works
Personal Injury Protection Insurance works like health insurance. It covers medical bills and travel expenses to and from medical appointments for you and your family members in the event that you are injured in some type of traffic incident. PIP insurance does not kick in if you get injured at work moving heavy boxes or if you slip and fall going down a flight of stairs in a restaurant. The best way to think of PIP insurance is as health insurance for transportation collisions. It does not cover replacement costs or repair costs to your vehicle, but it does cover your medical expenses whether or not you have health insurance as well. PIP covers you and your family members when:
- You or your family members are driving in your car;
- You or your family members are driving in another person’s car;
- You or your family members are a passenger in any car;
- You or your family members are walking or riding a bike; and
Anyone driving or riding in your car at the time of the crash.
Lost Wages and More
PIP insurance does not just cover medical expenses, it also covers up to 60 percent of your lost wages. The minimum PIP policy that Florida drivers need is a is a $10,000 PIP policy and a $10,000 property damage liability policy. The former pays for your own damages, while the latter pays for the other party’s property damage in the event that you caused the crash. If the other party caused the crash, your PIP insurance does not cover their auto damage.
Why You Need PIP Insurance in Florida
Florida has the highest number and highest rate of uninsured drivers in the country, according to The Insurance Journal. 26.7 drivers choose to drivers without auto insurance, meaning that if they hit you there will probably be nothing to pursue to cover your damages. You could potentially sue them personally, but chances are they their assets and property are worth next to nothing. Additionally, Florida is routinely in the top 10 when it comes to worst drivers by state, and has been ranked number one two years in a row before, according to ABC Action News.
Our Ocala PIP and Auto Collision Attorneys Can Help
The Ocala lawyers at The Pendas Law Firm can help you purchase PIP insurance, in addition to file a lawsuit against the party who caused your injuries if you were recently involved in a traffic collision. Call us at 1-754-800-0000 to schedule a free consultation today.