Car Accident Lawyer in Miami – Personal Injury Protection (PIP)

Personal Injury Protection: Why You Need It!

In Miami, the Perazzo Law Firm informs Florida residents that PIP insurance, as well as PD, are mandatory for registered vehicle owners and operators. PIP is an extremely complicated vehicle accident insurance policy, especially following an accident or in light of a lawsuit that leads to an accident claim for compensation. Keep watching to find out more!

The PIP Basics

PIP insurance, or Personal Injury Protection, covers the medical expenses of the vehicle owner; any individuals listed on the policy, any relatives residing in the same households, and potentially any passenger in the vehicle should they not have their own coverage under the law. PIP was made mandatory because most accidents would cause under $10,000 in damages or injuries; thus PIP aims to solve the problem of: medical bills not getting paid; people suffering from reduced credit scores, and accident victims fearing lack of treatment.

Accidents and Claims

Since PIP is mandatory for all Florida motorists or registered vehicle owners, treatment at a medical facility will be covered by the insurance carrier, which must be notified of the accident so as to proceed accordingly. Following an accident, the injured party will visit his/her medical practitioner and sign an assignment of benefits, which grants the doctor the right to bill the insurance provider directly on their behalf. Also, individuals that have suffered personal injury as a result of the accident in Miami, may opt to file their own PIP claim.

Treatment Coverage

PIP provides accident victims with the legal right to visit a doctor for treatment regardless of whether or not they have medical insurance. Also, PIP allows you to seek medical treatment no matter who was at fault for the accident. PIP pays up to $2500 subject to a deductible and co-payment unless there is an emergency medical condition that entitles $10,000 in injuries or lost wages. It is advisable for those that can afford it, to supplement PIP with other insurance policies such as Uninsured or Underinsured Motorist coverage. Additional insurance coverage policies will help protect against medical costs for treating serious personal injury or even third-party wrongful death. One of our Miami Personal Litigation or Insurance Claims Lawyers can provide all the right answers to any questions concerning PIP Insurance in a motor vehicle accident in Miami. Thank you for watching. And if you enjoyed this video, be sure to like, comment, and subscribe!