Florida is a “no-fault” state. This means that in a car accident, each driver is responsible for his or her own injuries. This keeps small injury claims out of court, which saves the state money. However, this does mean that every driver in Miami is responsible for having Personal Injury Protection (PIP) insurance of at least $10,000. Unfortunately, not all drivers abide by this law and insurance companies have strict policies regarding claims. At some point, you may find yourself in need of a PIP insurance lawyer in Miami.
What Should I Know About PIP?
There are some important benefits regarding PIP that you should be aware of. PIP is used for all accidents involving a vehicle, including an accident in which you were riding a bike or walking. Regardless of who caused the accident, PIP benefits are paid by your own insurance company. This means that your insurance will pay 80% of medical expenses and 60% of wages lost, but only up to $10,000. If your total expenses costs more than this, you will be required to pay out of pocket. You can then attempt to recover those expenses from the party who was responsible for the accident.
How Can a Lawyer Help?
There are many reasons that you may need to seek out a PIP insurance lawyer in Miami. Insurance companies have strict requirements requiring claims. You must seek treatment within 14 days and the bill can be denied or reduced if it is not an emergency medical condition. There are many other reasons that an insurance company could deny or reduce your claim. You can prevent this by being familiar with your policy and its terms. If your bill does get denied or reduced, the assistance of a PIP insurance lawyer in Miami who is experienced in these cases can help you get the coverage that you deserve.
