Personal Injury Protection, or PIP, is something most of us only think about when we are purchasing car insurance. The purpose of carrying PIP insurance is so that any medical expenses that arise due to a car accident are covered. PIP insurance also can cover lost wages and funeral expenses under some situations.
With PIP insurance, no one is “at fault”, and insurance premiums should not go up as a result of a PIP claim. Once PIP limits on your insurance are exceeded, liability insurance from the liable party can cover the gap. Let’s look at how a PIP lawyer will help you.
How much does PIP insurance cover?
In Florida, PIP insurance is required insurance coverage. Every driver in Florida must have a minimum of $10,000 in PIP insurance, although they can carry more by choice. PIP insurance covers up to 80% of your medical bills in case of an accident. Also, it will cover up to 60% of lost wages.
Why might I need a personal injury attorney for my PIP claim?
Sometimes, PIP insurance will withhold payments for medical bills. They may be running peer reviews or requesting independent medical examinations. This puts you in a bad position, as medical bills roll in and further treatments are needed. Also, additional issues may impact your accident, such as negligence or manufacturer liability. A PIP lawyer is trained to help you navigate these issues.
What will a personal injury lawyer do for me?
A PIP lawyer will help you to understand your rights in regards to insurance claims and what you are owed by the insurance company. Also, they will assist you to get all the funds that are owed to you by the insurance company should you need assistance. A PIP lawyer will help negotiate on your behalf and oftentimes garner a settlement without having a court proceeding.
PIP lawyers also help identify special circumstances that may mean you are owed more, such as manufacturer liability or wrongful death. These special circumstances can make a large difference in the payout you are entitled to receive, and your PIP lawyer will be able to determine the validity of these issues and bring them up to the proper parties.
If you or a loved one have recently been injured a car accident, you may have questions you need answered, such as when to file a claim. Our personal injury lawyers in Boca Raton are here to help. Call us today at 954-956-7676 to schedule a case review, and put our attorneys to work for you!