Often, auto accidents cause individuals to sustain devastating injuries that negatively impact their lives. Victims may face both physical and mental trauma after a collision. The injuries victims face typically result in expensive medical bills. It is common for victims to wonder who is responsible for paying their medical expenses. In Florida, all drivers are required to have Personal Injury Protection (PIP) insurance coverage which can cover their medical bills after an auto accident. However, if PIP does not cover the full cost of an individual’s injuries, they can file a claim against the at-fault driver. If you or someone you care about has been injured in an auto accident due to negligence, contact our skilled and determined St. Petersburg Auto Accident Attorneys who can help you recover financial compensation for your economic damages.
Will Personal Injury Protection (PIP) insurance cover my medical bills after an auto accident?
Florida is a no-fault state when it comes to auto accidents. This means regardless of who is at fault for the cause of the accident, individuals can recover financial compensation to compensate for their medical expenses and lost wages. After an auto collision, both parties are entitled to file a claim through their insurance policies to recover financial compensation for their damages. In Florida, all drivers are legally required to have Personal Injury Protection (PIP), which is a no-fault add-on to their insurance policy. PIP coverage is mandatory as it can help pay a portion of an injured individual’s medical bills and lost wages after an auto accident. In Florida, PIP covers 80% of an injured individual’s medical expenses. PIP covers up to $10,000 in medical bills which includes any surgical operations, medications, rehabilitation, and other medical services.
Additionally, PIP coverage can cover 60% of an injured individual’s lost wages. Unfortunately, after an auto collision, individual injuries may restrict them from working. This means they won’t be able to make a living. PIP coverage allows individuals to cover this type of economic loss. This also includes any household services they are no longer able to perform due to their injuries. PIP can cover up to $10,000 for lost wages and household services. However, individuals must file a PIP claim to recover monetary compensation for their damages. However, if a victim’s total amount of damages exceeds coverage provided by PIP, they can pursue further legal action by filing a personal injury lawsuit against a negligent driver. This will cover the full cost of their damages. Injured individuals must seek medical treatment and file a PIP claim within two weeks of the auto accident. PIP coverage is extremely beneficial in helping individuals cover their medical expenses and lost wages after an auto collision.
If you or someone you love has been injured in an auto accident, don’t hesitate to reach out to one of our trusted and knowledgeable team members. With years of experience, our attorneys can help you file a Personal Injury Protection claim as well as file a personal injury claim if PIP coverage does not cover the full cost of your injuries. We are on your side and ready to fight for you today.