Getting into a car accident while you’re behind the wheel can be traumatizing. So much so that many drivers ultimately forego reporting the accident and filing a personal injury protection (PIP) claim. However, they miss their chance to receive these no-fault insurance benefits and even risk legal trouble.
Some economically vulnerable drivers hesitate to claim insurance, fearing they will be blamed or face a premium increase. Understanding Florida’s PIP coverage can help dispel those fears.
What the “no-fault” coverage provides
Insurers aren’t the only ones who have expressed a dislike for Florida’s no-fault insurance. Critics have raised concerns over a rise in fraudulent claims abusing the policy. However, the protection a no-fault PIP provides drivers, especially ones at fault in an accident, can be indispensable for receiving immediate care.
Florida requires drivers to have:
- A minimum of $10,000 PIP coverage
- A minimum of $10,000 property damage liability coverage
In return, drivers involved in crashes resulting in injuries, property damage of at least $500 or death can get compensated with:
- 80% of reasonable crash-related medical expenses
- 60% of lost income from crash-related injuries
- $5,000 in death benefits
You can file other claims separately if the injury is severe and the PIP amount isn’t enough to cover expenses. Your options include a personal injury claim and an uninsured motorist insurance claim.
Claiming PIP benefits
PIP encourages drivers to seek medical attention immediately. To receive the policy’s benefits, you must:
- Undergo medical treatment within 14 days of the crash
- Inform your insurance company
- File a PIP claim
An insurance company may try to argue the severity of your injuries to deny, reduce or delay your PIP claim. Some may even require you to take an independent medical examination from a healthcare provider of their choosing. If the doctor decides you don’t need emergency medical treatment, you may be unable to collect benefits.
Knowing what your insurance coverage includes is crucial to protecting your rights. If you suspect your insurer is wrongfully denying compensation, working with an experienced personal injury attorney to strengthen your claim can help.