Personal Injury Protection, or PIP, insurance is an extension of your car insurance that can cover injuries sustained regardless of who is at fault at the time of the car accident. PIP is critical in the event that injuries received from a car accident impair your work, performance of daily functions, or cause you to spend extended time in a hospital. In some states, PIP insurance is required—such as in the state of Florida. Because PIP insurance can be such an important resource at the time of a car accident, consulting a lawyer to ensure that you are filing a proper PIP claim is a crucial step to recovery. JGarcia Law Firm, a car accident lawyer in Orlando, Florida, can assist you in filing your claim and ensuring you receive all the compensation you need from your insurance company.
PIP and why it matters
PIP is a valuable resource in the event of a car accident. Because it is considered “No Fault” insurance, it means that regardless of whether or not you caused the accident, you will still receive coverage and compensation for any injuries you sustain. This means that processing the claim typically takes less time and you receive your compensation faster.
It is also valuable because of the comprehensive nature of the coverage itself. While health insurance can cover your hospital costs, it will not cover your lost wages if you are unable to work. Nor will it cover your funeral expenses in the unfortunate event that the car accident results in death. PIP covers both of these expenses as well as any other expenses you may incur from being unable to perform your daily functions, such as transportation for you and your loved ones and delivery costs for food if you are unable to leave your house.
Filing a PIP claim
Filing a PIP claim can be a simpler process than filing other insurance claims; however, what happens when the other party in the car accident is at fault? If you have PIP, can you still sue them for the injury they caused you? In some cases, the answer to this question is no. Some states have monetary limits that you must exceed before you can file a claim against the other party. That is, if your medical expenses exceed the amount that is covered by your PIP insurance, only then can you file a claim against the other party. In some states, you need to show that you’ve sustained a serious enough injury from the accident. If you have questions about whether or not you can still file a claim against the responsible party in a car accident, contact a car accident lawyer for more information.
In the event of a car accident, PIP insurance can help you recover from the injury and expenses that come with it; however, what do you do when your PIP insurance isn’t enough? How do you make sure that you receive all the compensation you are due from your insurance company? With the help of a car accident lawyer, you can ensure that your PIP claim is processed properly and that you receive all the compensation you require for a speedy recovery. Contact JGarcia Law Firm in Orlando, Florida for information and consultation on how to handle your PIP insurance.