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Venice Car Accident Lawyer Explains What To Do If PIP Will Not Cover Your Expenses

If you’ve been in a car accident in Venice, Florida, you might be relying on your Personal Injury Protection (PIP) coverage to cover your medical expenses and damages. However, it can be frustrating when your insurance company refuses to pay the full amount of your $10,000 PIP coverage, even if your expenses have already reached that level. The reasons behind this issue and how experienced motor vehicle accident lawyers at Goldman, Babboni, Fernandez, Murphy & Walsh can help you explore other avenues for pursuing compensation.

Understanding Florida’s No-Fault Law:

Florida is a no-fault state when it comes to car insurance. This means that regardless of who caused the motor vehicle accident, your insurance company is required to pay compensation to you, the insured person, as long as you maintain the policy. However, it’s important to note that Florida car insurance will typically only pay a percentage of your actual costs, and seldom will it cover your full damages.

The Limitations of PIP Coverage:

Under Florida’s no-fault law, Personal Injury Protection (PIP) coverage is mandatory. PIP coverage is intended to provide immediate medical and wage loss benefits to policyholders injured in car accidents. In most cases, PIP coverage provides up to $10,000 in benefits. However, there are certain limitations and exclusions to be aware of:

Coverage Limitations: While PIP coverage is designed to cover medical expenses and lost wages, it may not fully compensate you for all your losses. The $10,000 limit may not be sufficient to cover extensive medical treatments, rehabilitation, or long-term care in serious accidents.

Exclusions: PIP coverage does not compensate for property damage resulting from the accident. It is also essential to note that if your injuries are not deemed an emergency medical condition, your PIP coverage may only provide up to $2,500 in benefits.

Percentage Coverage: PIP coverage typically covers 80% of medical expenses and 60% of lost wages, leaving you responsible for the remaining 20% and 40%, respectively.

Why Your Insurance Award May Fall Short:

Given the limitations of PIP coverage and the percentage-based compensation, it is common for insurance awards to fall short of covering the full extent of your damages. This situation can be particularly distressing when your expenses have already reached the $10,000 threshold, yet your insurance company is unwilling to pay the remaining amount.

Seeking Additional Compensation:

If your insurance company is unwilling to pay the full amount of your PIP coverage, it’s crucial not to accept their decision at face value. Consulting with our experienced motor vehicle accident lawyers at Goldman, Babboni, Fernandez, Murphy & Walsh can make a significant difference in your pursuit of rightful compensation. Here’s how they can help:

Exploring Other Avenues: Your attorney can investigate the circumstances of the accident to determine if there are other avenues for pursuing compensation. This may include filing a claim with the at-fault driver’s insurance company or considering legal action through a personal injury lawsuit.

Personal Injury Lawsuit: If your injuries are severe and the at-fault driver’s insurance coverage is insufficient, your lawyer can guide you through the process of filing a personal injury lawsuit to recover additional damages.

Negotiating with Insurers: Experienced car accident lawyers are skilled negotiators. They can advocate on your behalf, ensuring that your insurance company fulfills its obligations and covers the maximum amount possible.

Claim Denials and Delay Tactics:

Insurance companies may employ various tactics to deny or delay your claim. They might argue that your injuries are not covered under your policy, or they might question the severity of your injuries. In some cases, they may deliberately prolong the claims process, hoping that you’ll accept a lower settlement out of frustration or financial necessity.

Having an experienced auto accident attorney on your side can counter these tactics effectively. Your attorney will be well-versed in insurance company strategies and will know how to build a strong case to support your claim. They can communicate with the insurance adjusters on your behalf, providing the necessary evidence and documentation to demonstrate the validity of your claim.

Undervaluing Your Claim:

Insurance adjusters are skilled at assessing claims and may undervalue your injuries and damages. They may downplay the impact of your injuries, the extent of medical treatment required, or the long-term effects of the accident on your life.

An experienced auto accident attorney local to Venice can accurately evaluate the value of your claim. They will consider not only your current medical expenses but also any future medical treatments, lost wages, pain and suffering, and other intangible losses. Your attorney will negotiate with the insurance company to ensure that you receive fair and adequate compensation that truly reflects the full extent of your damages.

Dealing with Complex Legal Processes:

Filing a personal injury claim or pursuing a lawsuit can involve complex legal processes, which can be daunting for someone without legal expertise. Insurance companies are well-versed in handling such cases, and they may take advantage of your lack of legal knowledge to pressure you into accepting less compensation.

By enlisting the services of an experienced auto accident attorney, you level the playing field. Your attorney will handle all legal aspects of your case, including gathering evidence, interviewing witnesses, and adhering to court procedures. Their knowledge of personal injury law and their experience with similar cases will be invaluable in building a compelling argument on your behalf.

Dealing with insurance companies after a car accident can be an uphill battle, especially when your PIP coverage falls short of meeting your medical expenses. Insurance companies may use various tactics to minimize payouts, leaving you struggling to obtain the compensation you deserve. Having an experienced auto accident attorney by your side can make a substantial difference in your quest for fair compensation.

They will fight for your rights, navigate the complexities of the claims process, and negotiate skillfully with insurance adjusters to ensure you receive the full and just compensation you are entitled to. At Goldman, Babboni, Fernandez, Murphy & Walsh, our team of dedicated auto accident attorneys is committed to helping you recover physically, emotionally, and financially after a car accident. Contact us today for a FREE consultation and let us advocate for your rights and best interests.

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.

Venice Car Accident Lawyer Explains What To Do If PIP Will Not Cover Your Expenses

Goldman Babboni Fernandez
Murphy & Walsh

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