A: Like a credit card, your PIP coverage does have a limit. In some cases, health insurance will cover some of these costs. However, if you have reached the end of your PIP coverage you should contact an auto accident attorney to explore other options. A: Due to Florida being a no-fault state, your mandatory PIP coverage is meant to pay your bills, even if another driver was at-fault. Filing a claim with an at-fault driver means you must prove liability.
At Weinstein Legal, we understand that taking on that task alone can be intimidating. If you or someone you love has recently been involved in an auto accident and is facing difficulties with their PIP coverage, contact the office of Weinstein Legal. For a free and confidential consultation, enter your details in the form to your right. We look forward to hearing from you soon.
Florida's No-Fault System Explained. Q: What is Personal Injury Protection coverage? Q: How is PIP coverage different from heath insurance? Q: What medical providers can I see? Q: Can a chiropractor provide initial care and services? Q: Why is my insurance paying the bills when another driver was at-fault? Personal injury protection is only offered in certain states. In some other states, PIP coverage is optional.
If you live in one of these states, PIP may be worth considering since it can help pay for accident-related expenses not covered by your health insurance. But take note: This optional coverage will increase your car insurance premium. Check out the Insurance Information Institute to learn more about what coverage your state requires. But in states with mandatory PIP coverage, there are limitations placed on your right to sue. Just like with other types of auto insurance, what your PIP covers depends on what you pay for.
And how much your PIP premium will cost depends on factors like the type of coverage you want, your age, and the make and model of your car. Keep in mind that the extent of coverage provided varies from state to state.
After an accident, medical bills can build up. But PIP coverage can help, by paying for your medical treatment up to the limits of your coverage.
It will also cover the medical expenses of others listed on your insurance policy. In certain cases, PIP insurance will cover your lost wages during this time. If you need physical rehabilitation after an auto accident, PIP insurance may provide coverage that shields you from having to pay rehab costs out of pocket. Drivers in 13 states are required to purchase a minimum amount of PIP, but this amount varies by state. Use the table below to see which states require personal injury protection, and what the minimum requirement is.
New Jersey. New York. North Dakota. For a more detailed look at how personal injury protection works in these states, choose a state below:. In order to sue an at-fault driver, you must have suffered severe injury or death in an accident. What it covers: PIP covers medical and rehabilitative expenses that arise from an accident. What it covers: PIP will cover medical expenses, lost wages, disability, in-home services such as child care and housecleaning, rehabilitation and funeral expenses.
PIP minimum: Michigan offers several tiers. Unlimited coverage is the default, but you also may be able to choose:.
Opting out of PIP medical coverage if you have Medicare and another member of your household has a car insurance or health insurance policy that pays for injuries from car accidents. What it covers: Medical expenses from an accident related injury, as well as up to 3 years of lost wages. In order to sue an at-fault driver, you must have sustained severe injuries or death from a car accident. What it covers: Medical expenses from accident-related injuries, with the option to add on coverage for lost wages, substitute services like housecleaning and child care, funeral expenses and a death benefit payout.
In order to sue an at-fault driver, you must suffer severe injury, such as a lost limb or significant scarring, in a car accident. In order to sue an at-fault driver, your injuries in a car crash must be severe, such as a lost limb or paralysis.
What it covers: Medical expenses, lost wages and funeral expenses. What it covers: Medical expenses for injuries sustained from an accident. In order to sue an at-fault driver, the injuries you sustain in an accident must be severe, such as losing a limb or suffering paralysis.
What it covers: Medical expenses for accident-related injuries, including surgeries, X-rays, dental services, rehabilitation services and hospital services. Eight states plus Washington, D. Use the table below to see how these states handle PIP coverage. New Hampshire.
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