In the aftermath of a car accident, you might find yourself feeling overwhelmed, navigating both physical injuries and the legal complexities of insurance claims. Florida’s Personal Injury Protection (PIP) coverage safeguards your well-being by covering medical expenses and lost wages regardless of fault. Still, its rules and limitations can leave many Floridians confused. At Eberst Law, we know how crucial it is to feel supported and informed during such a challenging time.
Let us help you decode the intricacies of PIP so you can focus on what truly matters — your recovery. With years of experience advocating for accident victims across Florida, we’ve seen firsthand how confusing PIP coverage can be. From addressing medical bills to handling wage reimbursement, we’re here to guide you every step of the way.
How Does PIP Work After an Accident?
Following a car accident in Florida, especially when someone has been seriously injured, all drivers will likely need to communicate with their car insurance providers. When speaking with your car insurance provider and sharing necessary information, especially if you got hurt, you should tell them you want to file a PIP claim.
To file a PIP claim, you must get medical attention within 14 days of the car accident. Additionally, you must file the claim as soon as possible, ideally at most 30 days after the car accident. For assistance finding medical practitioners who can help you with your legal matters, you’re welcome to contact Eberst Law. We can connect you with medical providers we know and trust so that you can focus on healing.
You will be required to fill out some documents related to the claim, and it may be helpful to provide additional documents and information connected to your legal matters. For example, medical records, proof of income, any accident reports or paperwork provided by law enforcement, and other information may be necessary.
What Is PIP Coverage and Why Is It Required in Florida?
PIP is also called “no-fault insurance,” meaning that anyone in a car accident can receive compensation for some of their losses, regardless of fault or liability. PIP covers medical bills and other losses related to the vehicular accident.
PIP coverage is also required under Florida law. All vehicle owners must have PIP coverage issued by a licensed insurance company or through a self-insurance certificate. PIP is required because Florida runs on a no-fault system for personal injury claims, meaning it is the primary way most accident parties get any financial recovery.
What Does PIP Cover, and What Are the Limitations?
PIP can be used to cover many losses, but it primarily covers medical expenses and losses related to rehabilitation. However, PIP can also be used to cover lost wages and reimburse some essential services and expenses that someone has lost.
Unfortunately, PIP insurance generally has some limitations. In Florida, PIP coverage caps at $10,000 in damages. There are also limitations in the losses that PIP can cover. For example, PIP may only cover up to 60% of lost wages if you qualify for disability. Other losses may also not be eligible for PIP coverage. If you have any questions about PIP and what compensation you can receive, please contact an attorney at Eberst Law.
How Can a Lawyer Help You Navigate PIP Coverage?
When you work with an attorney from Eberst Law, we can support you in many ways throughout your car accident claim.
We can speak on your behalf to insurance adjustors or give recommendations about communicating with them. For example, you should provide as little information as possible when speaking to any insurance adjustors involved in your claim, only giving what is required of you. This will help ensure that insurance pays you fairly and does not try to escape its responsibilities.
We can also help you take legal action against responsible parties for further compensation. Depending on the circumstances, you can recover more than the PIP limit by holding other parties accountable for their harmful actions. If you need assistance during your car accident claim, don’t hesitate to contact Eberst Law and retain a committed and talented attorney today.
Why Choose Eberst Law for Your Car Accident Claim?
Navigating the complexities of Florida’s PIP coverage after a car accident can be daunting, but you don’t have to face it alone. Eberst Law offers comprehensive support to help you understand your rights and maximize your recovery.
Whether communicating with insurance adjustors, connecting you with trusted medical providers, or seeking compensation beyond PIP limits, we are here to guide you every step of the way. Our commitment to clear communication, timely responses, and a client-centered approach sets us apart. Reach out today at (772) 225-4900 or through our contact form to learn how we can help you move forward.
