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Florida’s no-fault insurance laws and mandatory PIP coverage were intended to simplify obtaining medical and lost income benefits in cases when a claimant wasn’t seriously injured. Those laws actually made things more troublesome.

Every owner of a registered vehicle in Florida is required to have no-fault insurance coverage. Included with that coverage is personal injury protection (PIP) coverage. Ideally, it covers $10,000 of medical bills and lost wages suffered after an accident, regardless of fault. Medical bills are paid at 80%. Lost wages are paid at 60%.

An emergency is generally defined as a medical condition requiring immediate medical attention. If it is determined no emergency medical condition resulted from the accident that a PIP claim is made on, there will be only $2,500 of medical benefits. PIP will also pay up to $5,000 for funeral and burial costs.

Any treatment for a condition contemplated by PIP coverage must commence within 14 days of the date of the accident. If the claimant wasn’t treated within those 14 days, PIP coverage doesn’t apply.

Bills for paramedics and a night at the emergency room can exceed the $10,000 PIP insurance coverage in Miami limit. That could cause problems in getting your medical bills paid and receiving proper treatment. If that happens, you’ll need to retain an experienced and accomplished personal injury lawyer.

If you were injured in an accident in or around Miami caused by the negligence of somebody else, call the PIP attorneys at Shuster & Saben right away to arrange for a free consultation and case evaluation. We will be able to discuss your PIP benefits and your alternatives if your medical bills exceed the applicable PIP limits. You can reach our office by calling 877-511-7829, or you can visit our website.