630 S Wickham Rd
Suite 101
West Melbourne, FL 32904
Se Habla Español
Office Hours
Mon, Wed, Thur: 8am - 6pm
Tue: 8am - 3pm
Fri: 8am - 12pm
Florida No-Fault
Florida No-Fault: Understanding Your PIP Insurance
Personal injury protection (PIP) insurance, also known as no-fault insurance, covers medical expenses for you and your passengers in the event of an accident, regardless of fault.
In Florida, PIP insurance is mandatory for driving legally in the state of Florida, offering coverage of up to $10,000.
Why is it Important to Initiate a PIP Claim Following an Auto Accident?
In order to receive PIP insurance coverage, prompt action is imperative.
Seeking medical treatment within 14 days post-accident is crucial for filling a successful claim.
Why PIP is a Better Option Than Medical Insurance?
Following an auto accident, you might consider using medical insurance for your bills, but PIP insurance covers costs related to accidents that medical insurance may not, such as lost wages.
Additionally, PIP insurance extends coverage to your passengers, making it valuable if you transport passengers without health insurance.
What Are My PIP Insurance Coverage Details?
What PIP Insurance DOES Cover:
✓ 80% of medical bills
✓ 60% of lost wages, which covers household chores and daycare costs
✓ Reimbursement for mileage to and from medical appointments
✓ $5,000 for funeral and death benefits, along with medical and disability benefits health insurance deductibles
What PIP Insurance Does NOT Cover:
⃠ Vehicle repair costs under collision coverage.
⃠ Damage to the other driver’s vehicle or property like a fence.
⃠ Medical expenses exceeding coverage limits
4 ESSENTIAL Steps to Follow When Filing a PIP Claim
1) Initiate the claim for auto injuries under PIP insurance BEFORE approaching your health insurance provider.
2) Within 14 days consult a healthcare professional who will assess whether your condition meets the criteria for an emergency medical condition.
3) Once the claim is submitted, insurance companies are allowed 60 days for review but are obliged to make payments within 30 days.
4) Maintain a detailed record of medical expenses and associated costs of your treatment to facilitate the sharing of this information with your insurance provider.