A car accident can leave you with painful injuries, medical bills and time away from work. If you are hurt in a Florida crash, you may wonder how you will manage these costs while recovering. Florida’s no-fault system allows your own PIP benefits to help cover qualifying medical bills and lost earnings after a crash, even if you were at fault.
PIP coverage helps pay for your accident injuries
If you are involved in a crash, your Personal Injury Protection coverage can help pay for some of your injury-related expenses, even if you caused the crash. You can generally receive up to $10,000 in PIP benefits.
After a Florida crash, your PIP can provide financial help even if you caused the crash. It can cover 80% of eligible medical bills and 60% of lost wages, with benefits generally capped at $10,000. To qualify, you typically need to see a medical provider no later than 14 days after the crash.
PIP coverage can extend to other people
Your PIP policy may extend benefits to family members, passengers and others in certain situations, including:
- Family members: Your policy may also benefit members of your family who live in your home.
- Passengers: Passengers without their own vehicle may qualify for PIP benefits under certain circumstances.
- Permitted drivers: A person who drives your car with your consent may qualify for PIP benefits.
- If you were walking or cycling: Your PIP may also help if you’re injured while walking or cycling.
Review your policy to see who qualifies for PIP benefits and whether the coverage applies to your situation.
Florida law sets rules for PIP claims
After an accident, you must notify your insurance company about your PIP claim. Your insurer generally must pay covered benefits within the time required by Florida law after receiving the necessary information. If you disagree with how the insurer handles your claim, you may have legal options to challenge the decision.
Know your coverage before filing a PIP claim
A crash can bring unexpected medical bills and time away from work. Learning the basics of Florida’s PIP rules can help you handle the financial strain. If you suffer serious injuries or face a denied claim, a personal injury attorney can help you determine your next steps.