Tuesday, February 7, 2017

What Does PIP Cover? What Doesn’t it Cover?

There is a lot of confusion out there regarding Personal Injury Protection1 (PIP) insurance coverage. While most drivers are aware of the fact that they are required to have it, many do not know exactly what it covers and how much compensation they can receive after an accident. For example, will your PIP coverage cover repairs to your car? What about a rental car while your car is in the shop? In the information below, we try and clear up some of the most common misconceptions about PIP coverage and provide some basic information about the way Florida’s no-fault insurance works. For answers to specific questions regarding your policy or your rights after an accident, call our office today.
What is PIP?
PIP is a type of insurance coverage that will provide accident victims with compensation regardless of fault. This means that it does not matter whether you or another person caused an accident – either way, you will be able to make a claim on your insurance policy. As a result, it is often referred to as “no-fault” coverage.
Why Does Florida Require PIP Coverage?
In its infinite wisdom, the Florida legislature has determined that requiring people to carry no-fault insurance coverage will simplify the process of compensating accident victims for their injuries and keep smaller claims out of court.
What Does PIP Cover?
Under Florida law,2 PIP covers 80 percent of your medical expenses and 60 percent of your lost income, up to $10,000 minus your deductible. It will also cover ancillary expenses “reasonably incurred in obtaining from others ordinary and necessary services in lieu of those that, but for the injury, the injured person would have performed without income for the benefit of his or her household. “ It does not cover losses like pain and suffering, vehicle repairs, the cost of a rental car, and loss of quality of life. Generally speaking, however, after an accident resulting in serious injury, these kinds of losses can be recovered by filing a claim against the other driver’s insurance policy.
Who is Covered by PIP?
PIP insurance covers a surprisingly broad group of people. Of course, your PIP insurance will cover you when you are driving your car or when you are a passenger in another vehicle. It will also cover you if you are struck by a vehicle while you are outside of a vehicle. PIP often will also cover the following people:
  • Relatives who live with you if they are driving your vehicle, are passengers in a vehicle, or are pedestrians who are struck by a vehicle
  • Others who are hurt while driving or riding in your vehicle or who are injured as pedestrians when involved in an accident with your vehicle

In addition, your PIP coverage will cover you and your injured relatives while you are outside the state and in your vehicle so long as your accident occurs within the U.S., its possessions or territories, or in Canada.

Call a St. Petersburg PIP Lawyer Today to Discuss Your Case
While obtaining compensation under a no-fault insurance system may sound simple, insurance companies often make the process extremely difficult. For this reason, if you have been injured in an accident, you should be sure to consult with an attorney as soon as you can. At the Dolman Law Group, we are committed to helping accident victims obtain the compensation to which they are entitled under the terms of their policy. To schedule a free consultation with a St. Petersburg personal injury lawyer, call our office today at 727-222-6922 or send us an email through our online contact form.
Dolman Law Group
1663 1st Ave S.
St. Petersburg, FL 33712
(727) 222-6922

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