Personal Injury Protection (PIP)

Personal Injury Protection (PIP)

In Florida, every owner of a motor vehicle is required to purchase Personal Injury Protection Insurance.  Personal Injury Protection (PIP) insurance pays up to $10,000.00 of medical benefits for injured, covered individuals who are injured in automobile accidents. Additionally, Florida is a No-Fault state; personal injury protection benefits are paid by the insurance carrier irrespective of accident liability. There are several ways for individuals to receive PIP benefits if he or she suffered injuries in an accident.

  1. Named Insured:  The person who purchased the insurance policy receives PIP benefits up to $10,000.00 if involved in an automobile accident.

 

  1. Resident Relatives: An injured resident relative of a person who has a PIP insurance policy can get PIP benefits through the vehicle owner’s policy.

 

  1. Vehicle Passengers/Drivers: The passengers and driver of the insured’s vehicle can receive PIP benefits through the vehicle owner’s policy.

 

  1. Pedestrians: A person who is hit as a pedestrian by a vehicle can receive PIP benefits through the vehicle owner’s policy.

The injured person must receive medical treatment within 14 days of the accident to qualify for PIP benefits.  The PIP carrier is not required to pay for PIP benefits if the injured person receives medical treatment after fourteen days of the accident.  It is important to see a doctor immediately if you have been injured in an accident. Additionally, the PIP carrier may require anyone receiving PIP benefits to give a recorded statement describing the accident to one of their insurance adjusters. It is important to not give a recorded statement without the presence of an attorney.

If you have been injured in an automobile accident, call the personal injury attorneys from Bottari & Doyle, PA at 561-588-2781  for a free strategy session about your case.