If you’re injured in a motor vehicle accident in Florida, you may receive compensation for your injuries through personal injury protection, or PIP, insurance. This type of insurance is designed to help injured drivers receive certain benefits, including medical care, after an accident regardless of who was at fault.
What is Personal Injury Protection insurance?
PIP insurance is a type of no-fault insurance that’s required in Florida. This means that if you’re injured in an accident, your own insurance company will pay for certain benefits, up to the limit of your policy, regardless of who was at fault for the accident. The purpose of PIP insurance is to provide injured drivers with quick and easy access to medical care and other benefits without having to file a claim against the other driver’s insurance company.
What are the benefits of PIP insurance?
One of the most important benefits of PIP insurance is that it provides injured drivers with access to medical care. PIP will pay for up to 80% of your medical bills, regardless of who was at fault for the accident. In addition, PIP will reimburse you for lost wages if you are unable to work due to your injuries as well as death benefits if you’re killed in a motor vehicle accident.
How to file a claim for PIP benefits
If you have been injured in a car accident, you will need to contact your insurance company as soon as possible to begin the claims process. You will need to provide your insurance company with information about the accident as well as any medical bills or other documentation related to your injuries. Your insurance company will then process your claim and pay for any benefits that are owed to you.
Remember that in Florida, it’s mandatory to have PIP insurance. You can either purchase a policy from an insurance company or add PIP coverage to your existing policy. Additionally, if you get into an accident, make sure you know your PIP insurance rights. This type of insurance can help you get the medical care and other benefits you need to recover from your injuries.