What Does Personal Injury Protection Cover?
If you are injured in an accident, it may be beneficial to have personal injury protection (PIP). While it is required in some states, in others it isn’t available. Here in the state of Florida, it is a requirement to have PIP, so while many people know that it is part of their insurance plan, many aren’t aware as to what PIP actually covers. Sometimes called “no fault coverage”, PIP provides benefits to you no matter who caused the accident. It covers medical bills and lost wages for you and, under certain circumstances, relatives or other passengers in your vehicle. Standard PIP covers 80% of your medical bills up to $10,000, and this is usually accompanied by a deductible. If you buy extended PIP coverage, the $10,000 limit can change. PIP requires medical providers to reduce charges (normally around 200%) of what can be billed. Another benefit to having PIP is the opportunity to recover lost wages.
Under PIP, you can get up to 60% of your normal pay. However, the most that PIP covers is $10,000 total, so recovering these lost wages can take away from paying for medical bills. Recovering lost wages requires a couple things, the first of which is missing work because of your accident. You will then need to complete a wage verification form and submit it to your auto insurance company. These are the basics of what personal injury protection covers, but if there are any questions, one should always contact a attorney regarding their personal case.
Hello, I am Jeffrey Meldon. As an accident attorney, I strongly believe that public education is the first step in the prevention of an accident or in the recovery from one.
My Office and Associates are located in Gainesville, Florida. We are Personal Injury Attorneys (Accident Attorneys). I take pride in my work and the results that I and my experienced team of Associates and Staff get for our clients.
Everyone in my Office works hard to help accident victims get the justice and the fair settlement or jury verdict that they deserve throughout the North and Central Florida area including: Ocala, Marion County, Alachua County, Lake City, Citrus County, Daytona Beach, and Inverness. I am highly involved with every case in my office and am the negotiator with insurance companies.
You can feel free to give me a call at 800-373-8000 or contact my office, with any questions you may have, or to discuss your unique case.
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