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PIP Coverage And Recovering After An Accident


Accidents in Florida can be very common, thanks to the combination of the large number of residents living in the state and the many tourists who visit every year. Motorists here are required under Florida law to carry what is known as PIP insurance, or Personal Injury Protection. Understanding how PIP works is important for any motorists driving on Florida roads.

PIP Basics

PIP is a type of no-fault insurance coverage, and at least a $10,000 minimum amount of protection is the legal requirement in Florida. No fault insurance coverage means that no matter who is at fault in an accident, your insurance coverage will be the provider that pays your benefits. Pip coverage will provide:

  • 60% of lost wages due to an accident
  • 80% of medical bills
  • $5,000 in death benefits.

All of these are covered up to the $10,000 level. However, what quickly becomes apparent is that not only will property damage done to your vehicle not be protected, but neither will higher overall costs. Considering that medical expenses in today’s world can be tens of thousands of dollars easily, it becomes clear that PIP may not be enough to complete protect Florida drivers.

Problems With PIP

There are also a few additional troubles with PIP coverage, especially for those who are involved in accidents. In addition to the relatively low potential cap for coverage, consider the following:

  • Motorists only have 2 weeks to visit a medical professional following their accident, or they forfeit PIP benefits. With some injuries not presenting themselves for weeks after an accident, this can be a serious problem.
  • Only certain types of medical professionals are allowed to be filed with PIP. Chiropractors, massage therapists, and other medical experts may not be covered and thus be off limits to those using PIP.

Additionally, a PIP provider may simply try to avoid paying out the full amount of benefits a victim may be owed. The simple fact here is that insurance companies don’t like paying out settlements or benefits because it cuts into their profits. Because of this, it’s common for your own insurance company to work to reduce the amount that they pay out, making it harder for you to make a full financial recovery from your injuries.

Help Getting What You Deserve

Obviously, simply turning in a claim with a PIP provider may not be enough to get an accident victim what they need to fully protect their finances during the recovery process. That’s where an accident lawyer can help.

An accident attorney takes several steps to help make sure you get what you deserve:

  • They will review your case to determine who is at fault and whether or not seeking additional financial compensation due to reckless or negligent actions may be needed.
  • They can help argue your rights and ensure that your PIP provider gives you the benefits that you rightfully deserve.
  • They’ll ensure that any settlement offers you’re given are fair, making sure that you don’t accept settlements that are less than what you deserve. This can be complicated and involve numerous factors, and is one of the key reasons car crash lawyers are so important.
  • In the event your PIP coverage provider is trying to avoid paying out, your accident lawyer will be willing to take your case all the way to a trial if needed. This alone helps ensure that you get the respect from an insurance company you deserve and that they are more willing to work with you.

The bottom line is that PIP coverage isn’t perfect, but that it does offer some level of protection to those who have it. Still, after an accident it’s important to speak to an attorney to get the help you need working towards the restitution that you deserve.

Attorney David Goldman has a strong belief that everyone should be treated fairly and those with the means should do what they can to bring justice in all areas of our society. That belief has led him to help Florida's injured from being taken advantage of by corporations and insurance companies. Since 1989 David Goldman has been fighting for the rights of Floridians both as an attorney and by personally supporting our community.

PIP Coverage And Recovering After An Accident

Goldman Babboni Fernandez
Murphy & Walsh




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