What Is PIP Insurance?

What is PIP car insurance?

Personal injury protection (PIP) insurance, also known as no-fault insurance, provides coverage for you — and those insured on your policy — for medical expenses and other damages resulting from a motor vehicle accident regardless of who is at fault. Some states like Florida require PIP insured. However, other states like Georgia do not require PIP coverage.

In an ideal world, your injury would receive swift and considerate action from the insurance company. However, the majority of car accident claims face issues. The sad truth is that insurance companies are businesses that want to protect their bottom line. Many of them benefit from giving you the runaround or dragging their feet on your claim.

No one should have to jump through hoops after being in a car crash.

If you — or a loved one — have been involved in a car accident, you may be wondering what to do next. Hiring an attorney who understands personal injury protection (PIP) can help you recover what you’re owed.

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Is PIP Insurance Required?

PIP insurance requirements vary by state. Depending on the state where you live, PIP insurance may be a required add-on or it may not be available at all.

For instance, Florida is a no-fault car accident state. As a no-fault state, Florida law guarantees that any person involved in a car accident can receive personal injury protection and requires that every car registered in the state carry a minimum of $10,000 in coverage. As a policyholder, you can choose whether you want your insurance to cover you or your whole household.
Georgia, however, is an at-fault state, and as a result, PIP insurance is not required for drivers in this state.

What Does PIP Insurance Cover?

PIP insurance provides up to $10,000 in funds for policyholders in Florida. While these funds can help cover the cost of prescriptions, surgical treatments, and ambulance fees, they can also refund your lost wages, home care, pet care, or funeral costs. This sum can account for up to 80% of medical costs and 60% of your lost wages. This means if your medical bills total $8,000, your PIP coverage will provide $6,000 toward your recovery.

Even if your total damages are under $10,000, you can still go after the at-fault driver for any bills or expenses not covered by your PIP. This means you may be able to sue the negligent party for additional compensation.

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How to File a PIP Claim

You need to get started on your claim as soon as possible. Follow these steps to file a PIP claim after getting in touch with a personal injury protection lawyer:

1. Report the collision by contacting your insurance company.
2. While on the phone with your insurance company, make sure your plan includes PIP coverage.
3. Ask the insurance representative to provide you with your claim number and the claim office's contact information.
4. Contact the claims office and talk to the insurance adjuster for your case.
5. Request that the adjustor provides you with a PIP application as soon as possible. Additionally, ask for a salary verification form and a physician’s report.
6. Fill out your PIP application as soon as possible.
7. Request that your physician fills out the Attending Physicians Report.
8. Then request that your employer fill out the Salary Verification Form. You’ll only need to do this step if you missed work as a result of your injury.
9. Return both the Attending Physicians Report and Salary Verification Form to your adjustor.
10. Provide your health care providers with your claim number, adjuster name, and claim office contact information.
11. Authorize your healthcare providers to bill your PIP directly.

Getting the insurance company to do the right thing requires quick action as there is a limited window for qualifying for PIP coverage. Failure to act may cause you to forfeit your right to seek compensation.

All victims of car accidents in Florida can petition for their PIP benefits.

Contact an Experienced Personal Injury Protection Lawyer Today!

Accessing personal injury protection funds can be difficult, especially while you are already trying to recover from your injuries. After a traffic accident, you should be concentrating on your recovery, not dealing with mountains of paperwork.

A knowledgeable PIP lawyer can provide the legal guidance and representation you need to ensure that you receive your benefits. A PIP lawyer will also work tirelessly to help you obtain your rightful compensation from the responsible party.

The PIP attorneys at Farah & Farah have an unmatched track record for helping people across Florida. We are passionate about doing what’s right. You won’t owe us anything unless we win your case.

Do not wait to call us at 877-245-6707 and speak with our compassionate PIP lawyers. Get the ball rolling by contacting Farah & Farah for your free case review!

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