The original purpose of PIP (Personal Injury Protection) insurance was to help prevent insurance fraud, but in reality, thousands were affected by the passing of this law that took effect on January 1, 2013. From medical providers to injured motorists and even insurers, PIP has taken its toll. The law allows insurance companies to collect higher rates while providing fewer benefits to policyholders. Every driver in the state of Florida is legally required to carry a minimum of $10,000 in PIP coverage - which ensures a motorist will receive medical benefits after an accident - regardless of fault.
PIP requires injured parties to seek initial medical treatment within 14 days - opposed to previous policies that instilled no time limits. If treatment has not commenced within two weeks of the accident, the insurance company is not legally required to reimburse medical expenses. Policyholders may also be only eligible for $2500 in coverages - instead of the $10,000. Only individuals with serious injuries can qualify for the maximum payout of $10,000 and those with less severe injuries will be limited to the $2500 total. In order to access the higher benefit sums, patients must provide certification by a medical doctor, physician, dentist, physician assistant or registered nurse that corroborates the injury and any required, immediate medical needs. Additionally, massage therapists and acupuncturists are no longer covered under the PIP policy.
For people with injuries that have extensive medical costs, high future medical expenses and lost wages, PIP insurance is not enough to cover their losses - and PIP does not address the issue of pain and suffering in an accident situation.
The 14 day limitation creates a small window for injured motorists and occupants to seek medical treatment for their injuries. Thus, many drivers that hesitate to seek immediate medical attention may be shut out from all PIP benefits and other means for collecting compensation. Due to these changes, it is imperative that a victim contact a car accident attorney in the state immediately after the accident to ensure that benefits they are entitled to are paid out and that they receive the medical treatments they need.
If you have been seriously injured in a car accident, regardless of PIP coverage, contact an attorney at Vasilaros Wagner today regarding your accident and claim. Our attorneys offer no obligation consultations, so contact us now at 386-777-7777 or fill out an online contact form to schedule a consultation appointment.