PIP or personal injury protection insurance is important because you cannot drive in Florida lawfully if you don’t have this no-fault insurance coverage. In The Sunshine State, vehicle owners are required to carry two kinds of auto insurance coverage. All individuals who register their vehicle must have proof of PIP and property damage liability coverage, both with at least a $10,000 limit.
PIP covers all injuries the policyholder and others under the policyholder’s policy may suffer in a vehicle accident, regardless of who caused the accident. Property damage liability covers the policyholder’s liability if they damage property that belongs to another motorist in a car accident.
What PIP Insurance Covers
PIP covers losses, such as medical expenses and lost earnings if you can’t work. You can also use PIP funds to pay for replacement services, such as driving, childcare, and household chores. It can cover up to 80% of your medical expenses up to your policy limit, 60% of lost earnings, and up to 100% of replacement services. In the event of death, PIP provides death benefits up to $5,000.
When PIP Coverage Applies
PIP will cover you when you get injured in an auto crash as the driver. It will likewise cover you when you get injured as a passenger in a car that another person is driving. Additionally, if you have PIP insurance, it will cover your injuries if you get hurt in an accident with a motor vehicle as a motorcyclist, bicyclist, or pedestrian.
When PIP Insurance Does Not Apply
If you suffer severe and catastrophic injuries in an auto crash, you can get around Florida’s no-fault auto insurance rules and bring a personal injury claim against the driver that caused your injuries. For instance, you can file a claim if you sustained a chronic or permanent injury. These injuries can include amputation, significant disability, traumatic brain injury, disfigurement, or scarring.
Paralysis, whether partial or whole and temporary or permanent and losing a major bodily function, are also injuries that you can base your claim on. When bringing a claim outside the no-fault rules, working with a Boca Raton auto accident attorney is necessary to ensure that you include all your accident-related damages, including pain and suffering, which isn’t covered under PIP.
Who PIP Coverage Covers
Besides covering you for qualified losses associated with an auto accident, PIP insurance will also cover your children, whether they get injured in your vehicle or another vehicle, including the school bus. If at the time of the accident you have passengers in your vehicle who don’t have their own vehicles and therefore are not required to have PIP insurance, they may likewise be able to receive compensation under your PIP benefits.
Speak to a Skilled Boca Raton Auto Accident Attorney Now
Were you or a loved one hurt in a Boca Raton auto accident? Contact the Demand The Limits law firm to learn more about your case and compensation options. Schedule a free consultation with our Boca Raton auto accident attorney by calling 561-600-3555 or completing our online form.