FAQs on PIP Insurance in Florida
What Medical Services are Acceptable for Purposes of PIP?
Under the PIP statute, initial care and services provided within the first 14 days, after the accident, can be provided by an M.D., D.O., D.C., dentist, hospital, facility owned by a hospital, and emergency medical personnel. This list, despite the common misconception, also includes medical treatment administered by a chiropractor. It does not, however, include those services provided by a masseuse or an acupuncturist.
What Happens if My Losses Exceed My PIP Coverage?
PIP provides up to $10,000 dollars in medical coverage. It is no surprise for individuals to find that their PIP insurance money, even if they are the recipients of all $10,000, will be used quickly as most emergency medical conditions can cost in excess of $10,000.
Whenever an individual’s losses are in excess of $10,000, he or she has additional alternatives to recover damages. The most practical alternative is for insured to carry insurance policies in addition to the mandated PIP. Additional insurance coverage can help provide additional support for those expenses incurred in excess of the PIP, whether or not the entire $10,000 is awarded.
Injured parties may also use the courts in order to recover losses. Litigation offers injured parties the opportunity to use legal means in order to recover damages incurred. Additionally, Florida laws allow for the recovery of other damages such as pain and suffering that are designed to help compensate for the pain, stress, and trauma the injured party has undergone.
Do You Have Questions Regarding PIP? Contact the Dolman Law Group Today
Florida’s mandatory PIP coverage can be confusing and leave drivers with a headache. Understanding PIP coverage and its applicability to your accident are crucial. At the Dolman Law Group in Clearwater, Florida, our auto accident attorneys strive to provide you with a greater understanding of PIP coverage as well as to provide you with the legal advice necessary to ensure that you can receive just compensation. Call us today at 727–451–6900 for a free consultation.
Dolman Law Group
800 North Belcher Road
Clearwater, FL 33765
727–451–6900
https://www.dolmanlaw.com/legal-services/auto-accidents-attorneys/
https://www.dolmanlaw.com/legal-services/personal-injury-attorneys/pip/
Originally published at www.dolmanlaw.com on October 11, 2016.
