Todd J. Herman, P.A.
Personal Injury Protection is a type of insurance coverage on your automobile policy that pays up to $10,000.00 of your medical bills for treatment related to a car accident, regardless of whether you caused the accident. If you have an automobile insurance policy, you pay for PIP coverage.
Understanding the Law
It is important to have an attorney who fully understands Florida’s PIP laws. Reason being, your first $10,000.00 of medical bills should be paid through your PIP insurance coverage regardless of whether you have health insurance and regardless of who is at fault.
What is Personal Injury Protection (PIP) in Auto Insurance?
Before you can understand personal injury protection, you need to know the difference between tort and no-fault recovery. In states that follow a tort-based system, the person who causes a motor vehicle accident is primarily responsible for paying for your injury-related expenses and vehicle repair costs. Conversely, in no-fault states (Florida), each person’s insurance coverage is primary, particularly when it comes to paying for medical and hospital expenses. This means that your policy will pay for your injuries first and the at-fault driver’s liability coverage will kick in after your limits have been exhausted.
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Fort Lauderdale, FL 33301