Every driver registering a car in Florida is required to maintain, at a minimum, an insurance policy which includes PIP (Personal Injury Protection). The coverage pays benefits after an accident, regardless of fault, to the policyholder and household residents for their bodily injuries. There are several PIP options to choose from which can saveThe required limits for each individual is $10,00 and is paid out for 80% of medical related costs, 60% for missed work, and $5,000 in case of a fatality.
The named insured or policyholder is allowed to elect a deductible of 250, 500, or 1,000 dollars. In addition, the option for lost wages (missed work) can either be included or left off. On top of this, the deductible and missed work selections can be applied to the policyholder only or to all the household residents.Anytime coverage is left out or reduced the rate quote is lower.An excellent additional coverage to consider on your Florida car insurance policy is Bodily Injury Liability (BI).
This coverage pays after an at fault accident for another persons injuries and not to the policyholder or their household residents. Some companies will not sell a policy with PIP unless there is also BI. Most companies will place a risk or applicant into a better tier with lower rates when BI is included. Sometimes adding coverage can actually lower the overall cost of a policy.Most insurance agents do not go over all the available choices when it comes to PIP when a potential applicant is receiving a quote.
Knowing about these options is important when considering your car insurance. Keep in mind that reducing coverage does not always mean lower rates and it can leave you unprotected.PIP Questions With AnswersWhat is PIP?PIP is the common abbreviation for Personal Injury Protection. PIP is for benefits payable under the Florida auto insurance policy which is mandated by the Florida Motor Vehicle No Fault Auto Insurance law.
What is the name of the Florida law that requires PIP?Florida Motor Vehicle No Fault Law is the name of the Florida statute that requires PIP coverage on all vehicles registered in the state of Florida.Who is insured by PIP?The named insured and all resident relatives are covered under the PIP coverage of your policy. Resident relatives are not required to be listed drivers on the policy for coverage to apply.
Which vehicles are covered by PIP?All cars owned by you and listed on your policy is covered by the PIP portion. Also, any trailer designed for use with a private passenger vehicle and not used for business is considered a covered vehicle.What does PIP cover?Personal Injury Protection benefits include: Medical benefits, disability benefits, and death benefits.What is the amounts payable when PIP coverage applies?The amount of death benefit payable for an insured person is $5,000.
Medical benefits are payable at 80% of the amount incurred due to a covered injury. Disability benefits are payable at 60% of any lost wages incurred due to a covered injury. The total amount payable under PIP for any one accident is $10,000.Is there a deductible under PIP coverage?Florida Motor Vehicle Law allows a deductible of no more than $1,000 for PIP coverage. Choosing a deductible is optional and will lower the premium if you elect one.
Also, work loss exclusion is allowed under the law and if elected your premium will be lower and you will not receive any benefit from lost wages due to a covered injury.Is PIP an optional coverage?PIP is not optional coverage for any vehicle registered in the state of Florida as mandated by the Law. Bodily Injury Liability is not optional when a Florida FR 44 insurance or Florida SR 22 insurance is required.
Does someone else have to be at fault to collect payments under PIP?No. Regardless of fault PIP coverage from your insurance policy provides benefits for a covered injury.Do all insurance policies have PIP coverage?Not all states require automobile insurance policies to have PIP coverage. All registered vehicles in Florida are required to carry PIP coverage.When does coverage under PIP apply?Coverage applies when the named insured or any resident relative is injured while occupying a motor vehicle.
Also, coverage applies if an insured person is stuck by a motor vehicle as a pedestrian.Do PIP benefits increase by the number of cars on my policy?No. A premium is collected by your insurance company for each motor vehicle listed on the policy; however, this does not increase benefits.If I have health insurance to cover my injuries does PIP still apply?If an insured person sustains injury due to a covered event benefits are payable under PIP regardless of any health insurance the injured person carries.
Are an attorney and a law suit required to collect payments under PIP?No. All top rated standard insurance companies will pay the PIP benefits to a covered person with out the need of an attorney or law suit.What happens if I cancel my PIP policy and have a registered vehicle?Your insurance company will notify the Florida Motor Vehicle Department of the cancelled policy. A notice will be sent to the registered vehicle owner inquiring about the status of any new policy which may have been purchased.
Failure to respond to the notice or maintain required PIP coverage will result in the registered vehicle owner's driver's license being suspended. Florida SR-22 insurance may be required for license reinstatement.I live in Florida part time of the year do I still require PIP coverage?Any vehicle registered in the state of Florida is required to carry PIP coverage even if that vehicle is not in use or is in another state part of the year.
Am I covered by my PIP if I'm driving outside the state of Florida?A Florida resident who is covered under the PIP portion of a policy is covered while driving that vehicle outside the state of Florida.What is extended or additional Personal Injury Protection Coverage?This is optional coverage not mandated by law which is offered by some companies. For an additional premium your insurance company may increase the total amount payable under PIP over the $10,000 mandated.
Your company may also increase the percentages payable under the medical and disability portion of the PIP benefits. Typically the increase for medical would be from the 80% required to 100% and the disability benefit from the required 60% of lost wages to 80%.What happens if PIP coverage applies from more than one policy?If there is other applicable Personal Injury Protection for the same injury the most that is collected is the maximum $10,000 amount required by law.
Each company's policy will be responsible for their pro-rata share of benefits payable.Does the insurance company decide which doctor or hospital I use?No. Any doctor or hospital will be paid under the PIP benefit for medically necessary treatment due to a covered injury.What exactly does resident relative mean?Any relative by any degree of blood or marriage and usually resides at the home of the named insured.
This includes a resident relative residing temporarily somewhere else, such as a student away at college.What is excluded from benefits being paid under PIP?If you own a car that is not insured under your auto insurance policy and are injured in that vehicle benefits will not apply. Any injury sustained by a person operating a covered auto without your express or implied permission. Any intentional bodily injury will not be covered.
Any injury sustained in the commission of a felony will not be covered.A person other than you or a resident relative and has coverage under another Florida auto policy which has PIP benefits.See Also: Ma Motorcycle Permit
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It’s a typical sunny day in the great state of Florida. You decide to leave the keys at home and take the dog for a walk. As you are walking down the sidewalk on a busy road, a car comes flying off the road and strikes you. As a result of the driver’s negligence, you are now overwhelmed with expensive medical bills and forced to take time off of work. What are your options? As in most cases, you always have the option of seeking coverage for your loss through the at-fault driver’s auto insurance policy.
However, far too often the at-fault driver either has no insurance or an insufficient amount to cover your loss. In any event, you should always attempt to seek coverage through the at-fault driver’s insurance policy. If the at-fault driver’s insurance policy is insufficient, then you should turn to your own insurance policy to determine your options. Some drivers carry an uninsured motorist policy, which acts as more of a supplement to your auto insurance.
In the event the at-fault driver’s policy is too low to cover your medical bills, your uninsured motorist policy, if you have one, will kick in to cover the deficiency. Injured pedestrians may also seek coverage through their own PIP policy. PIP, or Personal Injury Protection, is Florida’s no-fault law. Florida requires that every registered driver in the state must carry at least $10,000 in personal injury protection benefits.
The beauty of PIP is that you may seek payment from your own PIP policy regardless of who is at fault. Furthermore, Florida’s PIP statute extends coverage to anyone listed on the policy and any relatives of the insured who live under the same household. It is important to note that even if you are injured while not actually operating a motor vehicle, your PIP policy may still cover your loss. Under Florida’s PIP statute, the insurer of the owner of a motor vehicle shall pay personal injury protection benefits for accidental bodily injury sustained in this state while not an occupant of a self-propelled vehicle if the injury is caused by physical contact with a motor vehicle.
See Fla. Stat. 627.736(4)(e)(1). What that provision of the statute is saying is that even if you are not actually driving your car, you may still recover under your PIP policy if your injury was caused by physical contact with another a motor vehicle. Using my original example, if you are hit by a car while lawfully walking on a sidewalk, you have the right to put a claim in under your own PIP policy.
Another great aspect of PIP to remember is that you may also recover disability benefits under your PIP policy. This is often an over-looked part of the PIP statute. The statute reads in part, “sixty percent of any loss of gross income and loss of earning capacity per individual from inability to work proximately caused by the injury sustained by the injured person, plus all expenses reasonably incurred in obtaining from others ordinary and necessary services in lieu of those that, but for the injury, the injured person would have performed without income for the benefit of his or her household.
” Thus, under Florida law, you have the ability to put a claim in under your own PIP policy for disability benefits in the event your injury has forced you to take time off of work. Contact the Tampa Bay Area Personal Injury Firm Dolman Law Group Unfortunately, handling an insurance claim after you have been involved in an accident can be stressful. The Dolman Law Group has a team of highly qualified and experienced personal injury attorneys who aggressively pursue compensation on behalf of their injured clients.
Contact us for a free consultation of your case at 727-451-6900. Dolman Law Group800 N. Belcher RoadClearwater, Florida 33765(727) 451-6900 https://www.dolmanlaw.com/lalaw-say-observing-pedestrian-crosswalk/