Understanding Personal Injury Protection Insurance

How Does Personal Injury Protection Insurance Work?

When people are involved in car accidents, they could sustain catastrophic injuries that lead to sky-high medical bills and lost income while they recover. Florida law provides a simple remedy to help victims close the potential financial gaps. This remedy is called personal injury protection insurance and is included in most automotive insurance policies.

The Florida Bar explains that personal injury protection coverage is required in all insurance packages offered for sale in the state of Florida, provided the covered vehicle has four wheels or more. The rationale behind PIP insurance is that it makes it easier to get compensated for expenses incurred as a result of a car accident, by removing the need to bring a lawsuit.

The owner of the vehicle is covered by his PIP insurance, as long as the accident happens in Florida. Additionally, provided they are residents of the state, PIP insurance also provides coverage to bicyclists and pedestrians. People who drive a car without the owner’s permission are also covered, as are relatives who live with the vehicle’s owner.

PIP insurance is used to pay for the following damages:

  • Lost wages due to the crash, up to 60 percent
  • Compensation of $5,000 for loss of life
  • Medical expenses deemed reasonable as a result of the crash, up to 80 percent

There is a deductible of up to $1,000 and the insurance will not cover more than $10,000 in damages.

The 2016 Florida Statutes say expenses that arise from having to pay others to perform tasks or duties because of injuries from an accident are also recoverable. However, documented evidence of this, records of treatment from medical practitioners, and earnings statements from the victim’s employer, can be requested by the insurer.

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