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.
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Personal Injury Protection (PIP)
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?
One common reason for PIP claim denials is that the insurance company has gotten the wrong impression from you. If your insurer believes that you are being greedy and are not actually as injured as you claim, they will not react in a positive way.
Florida is one of several states that has a “no fault” system of car insurance. Florida law requires that all drivers carry PIP coverage. This allows a driver, even if the accident was caused by him or her, to receive medical benefits for treatment of injuries sustained in the car accident.
In some serious accidents, you may be able to file a personal injury lawsuit against the at-fault driver. Because the benefits available to you under your PIP coverage are capped at $10,000, drivers who are more seriously injured will have to seek full reimbursement through other means than their own insurance company.
There are two points that I often find clientsneed clarification on—or didn’t know about at all. They are the 14-day rule and the Emergency Medical Condition rule.
In many cases, the protection offered to consumers by Florida’s no-fault Personal Injury Protection (PIP) insurance system is simply not enough.
Florida is one of the several states across the country that requires its drivers to maintain mandatory minimum insurance coverage for purposes of covering personal injury in the event of an action. Personal Injury Protection, better known as PIP, is Florida’s minimum no-fault insurance law.
Of course, automobile insurance is designed to provide a financial safeguard for drivers. However, even with insurance, a driver involved in an accident may still worry about the financial impact from the accident. Just how protected will a driver be?
The exhaustion of PIP benefits can create serious hardship for people who have not adequately planned ahead.
If you were not at fault for causing and accident, and you make a recovery from a person who was at fault for causing the accident (also known as a “tortfeasor”) that person is responsible for all of the bills related to the accident. Learn more here about PIP, and why your insurance company needs to be reimbursed.