To protect yourself in the best way from a loss in an accident it is important to know the value of the insurance coverage, to know what Personal Injury Protection or PIP coverage is.
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Personal Injury Protection (PIP)
As in any area of life or law it is important to hire the right person for the job. If you were trying to lay tile at your home, you wouldn’t hire a roofer to do the job. Areas of law work similarly.
Every person who is a resident of Florida is required to purchase PIP insurance as part of their Florida Insurance Policy. This sometimes is known that Florida is a “No Fault State” or Florida is a Mandatory PIP state.
Essentially, this part of the PIP statute gives insurers the ability to delay payment of a claim by requesting documents they feel provide a basis of how the treatment rendered was medically necessary.
You should always keep a PIP log, as well as copies of all of your medical records and bills pertaining to post-accident treatment, in case there is a question at some point in the process.
However, the no-fault law does not apply to bike riders, who are not required to carry (and generally do not carry) personal injury insurance.
Because PIP insurance systems are much less common than liability systems, most people are not familiar with how they work.
Below, we’ll take a look at five things you probably didn’t know about PIP insurance.
There are two points that I often find clients need clarification on—or didn’t know about at all. They are the 14-day rule and the Emergency Medical Condition rule.
Better known by its acronym IME, an Independent Medical Evaluation is used by insurance companies to “investigate” and evaluate if continuing treatment is necessary. Better yet, it is usually used by insurance companies to “cut-off” someone’s benefits.
All too often I am asked questions in such as “What can I do to make sure my claim does not get rejected” The very basic answer to that question is, insurance companies are going to reject some of your claims as a matter of course. But what types of mistakes can you actually control?
In this article we will discuss how the Florida No-Fault law (Florida Statute 627.736) is effected by your choice of destination and choice of vehicle. This article assumes that the reader is a person insured to drive, owns a vehicle, and is insured with a Florida-based policy.
We all know that it’s not necessary to buy an insurance policy if you’re going to take a walk or ride your bike, thankfully. However, if you’re hit by a car while doing so, does that mean you’re unable to be compensated for your injuries and losses? Fortunately, no, thanks to PIP.
For some Floridians, this proposed new law could reduce their rates. But in comparison to how much it will increase rates for those with low-incomes, it’s hardly a win for anybody.
As an accident victim, it is important to keep in mind that your insurance company is not going to simply issue you a check for your stated damages because you do not have to establish fault. Insurance is a business, and the way that insurers remain profitable is by paying out as little as possible on each claim that is made.
Chiropractors Cannot Do EMCs; Florida Appeals Court Confirms Chiropractors Cannot Do EMC’s for PIP Suits
The Florida Third District Court of Appeals made its decision on whether Doctors of Chiropractor Medicine can determine an Emergency Medical Condition (“EMC”) as defined in the Florida Statute’s with an emphatic NO this week.
Waiting to seek medical attention or having incomplete medical records can present a serious challenge when you try to seek compensation for your medical bills from your personal injury protection (PIP) coverage.
Florida is a No-Fault Car Insurance State – Does that Mean I Can’t File a Lawsuit after a Car Crash?
The no-fault system certainly has its benefits, including the fact that even if you cause a wreck, you are allowed to seek compensation for your medical expenses through your PIP (personal injury protection) coverage.
Practice tip for providers – Not all patients will have an attorney or want representation, so you need to make sure your intake forms are complete and thorough to establish insurance coverage. You can establish insurance coverage by asking the basic questions above.
Texas does not require you to have PIP. However, insurers must give you $2,500 as part of your policy if you don’t specifically reject PIP. You can pay increased premiums for higher PIP limits.
The reason is simple: when insurance companies can deny claims over fault, many more cases go to litigation and clog up the court system. Additionally, instead of receiving the treatment they need swiftly and efficiently, BI insurance requires injured accident victims to wait around and hope they receive coverage.
However, many people come to us with the question: just how much will my PIP insurance cover after a crash? The answer to this question depends on the policy limit for your PIP that you purchased.
To be frank, insurance, no matter where you are is quite complicated and not the easiest thing to understand. This article seeks to clarify one aspect of Florida insurance coverage called Uninsured/Underinsured Motorist Coverage.
The most important part of the required benefits portion is to note the section that I bolded “struck by the motor vehicle”. Meaning the patient or yourself only gets afforded PIP coverage if they were in a motor vehicle accident. So how does the requirements and the HICF coincide?
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