What Does Personal Injury Protection Cover?
Personal injury protection insurance is not required in most states, much less available in most states. However, it is both required and available in Florida. According to Florida Highway Safety and Motor Vehicles, Florida drivers are required to carry a minimum of $10,000 personal injury protection (PIP). While PIP is required for Florida drivers, it should be viewed more as an additional form of health insurance, as it is intended to help with your medical bills and expenses in the event that you are injured in an automobile accident.
At The Pendas Law Firm, we help our Miami clients understand how PIP insurance can be used to help them compensate for their injuries in the event of a car accident. We also help them file a personal injury protection claim after an accident, that way they can receive the most amount of help available to them.
What is Covered Under PIP?
Many Miami drivers do not understand why PIP insurance is necessary if they carry both car insurance and health insurance, as car insurance is meant to cover vehicle damages, and health insurance is meant to cover medical expenses. However, oftentimes a person will sustain injuries or damages in a car accident that exceed the deductibles and limits of either their car insurance plan or health insurance plan—or both. PIP can help you cover the costs that exceed those limits set forth by your health insurance plan.
Additionally, PIP covers a host of other expenses and damages that car insurance and health insurance does not cover, including but not limited to:
- Lost Wages: If your injuries are so severe that they require you to take time off of work to recover, PIP can help compensate you for the wages you lose in the interim.
- Loss of Services: If your injuries keep you from performing typical everyday duties, such as taking the kids to school, going grocery shopping, or even caring for your own home, you may be forced to hire someone to take care of those tasks for you. If that is the case, PIP will cover the cost of those services until you are well enough to perform them on your own.
- Funeral Expenses: Although it is not typically something that anyone wants to think about, PIP can help your family pay for your funeral expenses should your car accident result in your untimely death.
Consult a Miami Personal Injury Protection Lawyer
Personal injury protection is another form of insurance meant to save you from financial stress and headache in the event of a Miami car accident. While health and auto insurance cover a majority of the damages resulting for a car accident, there are many instances when that coverage is just not enough. PIP compensates individuals for the difference and ensures that they are able to recover comfortably and without having to worry about any financial matters. To learn more about how PIP can help you, or to file a claim with your PIP insurance provider, consult with one of our Miami personal injury protection lawyers today. Call The Pendas Law Firm at 1-888-LPENDAS to schedule your private consultation.
The personal injury lawyers of The Pendas Law Firm also serve clients in the Jacksonville, Tampa, Fort Lauderdale, Orlando, West Palm Beach, Daytona, Bradenton, and Fort Myers areas.