What Does PIP Stand For? 

 January 12, 2015

By  LMW Attorneys

After being injured in a car accident, you have a lot of questions. How long will I have to take off of work? What is going to happen to my car? How will I pay for my medical bills? Luckily, for Florida drivers, personal injury protection (PIP) can help alleviate some of the stress and uncertainty. PIP is a no-fault coverage that gives you compensation for medical expenses and time missed off work. While PIP can help, it does not cover all expenses. Learn when you can rely on your PIP insurance.

Personal Injury Protection in Florida

Every state has its own laws regarding PIP. In Florida, if you have car insurance and a valid Florida driver’s license, then you already have PIP coverage. PIP is a no-fault coverage, meaning it does not take into account who was at fault for the accident. Even if you caused the accident, you can receive up to $10,000 for medical bills and lost wages. However, there are some rules when it comes to claiming PIP.

  • PIP insurance will only cover 80% of medical bills and 60% of lost wages, up to $10,000.
  • It only covers your personal injuries and those of your immediate family. If you injure someone else in an accident, your PIP will not cover the other person’s costs.
  • In order to claim PIP, you must meet with a licensed medical professional within two weeks of the accident.

Is PIP Enough?

PIP is the minimum required insurance for Florida drivers. After an accident, many people are shocked to find out how quickly PIP insurance runs out. With the high expense of medical treatment coupled with loss of wages, many victims find themselves struggling to cover cost.

If you have been involved in an accident, you should not just be relying on your PIP insurance to cover your expenses. Hiring an experienced attorney can help you receive compensation for medical, emotional and other punitive damages.

Contact an Attorney Today

There is no need to suffer because of someone else’s mistake. Do not wait and see if your PIP insurance will cover all of your costs, call LMW today. You should not be left paying for someone else’s careless actions. At LMW, we will fight for you to get the compensation you deserve! Come see us today for a free evaluation of your case.