Personal Injury Protection, or PIP, is a type of car insurance that is available in a few locations around the United States, including Florida. PIP coverage is required in Florida. PIP is designed to pay any medical bills (as well as burial costs, lost wages, and/or other losses) incurred as a result of an accident. PIP is sometimes known as “no-fault” coverage because there should be no legal liability in the case and the plaintiff’s insurance premiums should not be penalized in any way. However, if your PIP limits are exceeded and someone is found to be at fault for the accident, their liability insurance may cover the excess costs.
How Can a Personal Injury Lawyer Help?
After an accident, you can use your PIP coverage to collect the money you need as soon as possible. However, many injured accident victims are astonished to realize that even getting PIP benefits is difficult. The best personal injury lawyer in state for your case can assist you in receiving all of the money and benefits you are entitled to from your insurance company. Once your PIP limits have been exhausted, your lawyer can assist you in filing the necessary claims against the “at fault” party. This may entail conducting a detailed investigation into your accident and negotiating with insurance companies on your behalf.
Do I Have PIP Coverage If I’m Injured in a Car Accident?
If a patient has been in an accident and is unsure whether or not they are eligible for PIP coverage, there are a few items to examine first.
1) Was the patient treated for his or her injuries within 14 days of the accident?
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They may be qualified for coverage if treatment was received within 14 days of the injury.
PIP coverage does not apply if treatment is not received within 14 days of the accident, and the patient will not be qualified to file a claim.
(Note: ‘Therapy’ is a broad term, but here are a few things you might have done that are regarded genuine treatment methods: After the accident, you were followed up with a Primary Care Provider, Hospital, or Walk-In Clinic, you received roadside emergency services, you traveled in an EMS vehicle that provided medical attention, or you were examined/treated by someone qualified to provide emergency transportation and treatment.)
2) Is the patient the owner of a motor vehicle that is insured?
If they do, they are qualified for PIP coverage and should make a claim with their insurance company. However, certain motor vehicles, most often motorbikes, are not covered by PIP coverage in some jurisdictions.
If they don’t, they can be eligible for coverage under a relative’s policy if they have to live with them.
3) Does the patient have a blood or married family who owns an insured vehicle?
If they do, they are covered under PIP and should file a claim with their relative’s insurance company.
If they don’t, they may still be covered under the driver’s policy if they were a passenger in a car involved in the accident and should file a claim with the driver’s insurance provider.
When it comes to eligibility, you must first determine what you are eligible for. You are entitled to a minimum of $2,500.00 in coverage by default. An EMC, or Emergency Medical Condition, is a changing factor in coverage allowance. Simply explained, this is an emergency medical condition acquired or a pre-existing ailment triggered as a result of the accident’s trauma. While you must seek and receive treatment within 14 days of the accident to be eligible for the minimal $2,500.00 in coverage, there are no time limits on when an EMC must be reported. If an EMC is diagnosed by an MD, DO, PA, ARNP, or Dentist, your PIP coverage may be increased to $10,000.00. Some insurers, like as Allstate and Esurance, provide higher allowances and enable additional titles to provide eligible EMC diagnosis, potentially enhancing your chances of receiving coverage for more unusual diseases.
What is an EMC?
EMC is an arbitrary benchmark enacted by the Republican-leaning Florida legislature to meet the needs of the state’s vehicle insurance business (the strongest lobbyists for the Republican party). EMC is not a phrase that doctors are taught to comprehend; it is simply an arbitrary method designed to limit the amount of claims filed each year and cap the vast majority of those claims at $2500.00 in medical benefits.
If no EMC is identified or diagnosed by one of the certified professionals during the initial inspection, it is still possible that a problem will develop in the future, allowing you to obtain the remainder of the coverage allowance.
If you have been diagnosed with a clear-cut Emergency Medical Condition and have been treated for it or are presently being treated for it, but your insurance company refuses to give you with full coverage, you may have a strong case. If you have concrete proof that you have an EMC that was diagnosed by a qualified physician, it is required by law in the state of Florida for insurance companies to pay the organizations for medical expenditures and lost income.
