PERSONAL INJURY PROTECTION AND PROPERTY DAMAGE INSURANCE BASICS FOR FLORIDA MOTORISTS
In Miami, the Perazzo Law Firm informs Florida residents that Personal Injury Protection (PIP) insurance and Property Damage (PD) are mandatory for registered vehicle owners and operators. Unfortunately, PIP insurance is an extremely complicated vehicle accident insurance policy, especially following an accident that leads to injuries to individuals or damage to property and in light of a lawsuit that leads to an accident claim for compensation. It is very important for Florida motorists to understand the basics behind PIP insurance and how it covers the medical expenses of the vehicle owner and the individuals listed on the policy, as well as any relatives residing in the same households and potentially any passenger in the vehicle should they not have their own coverage under the law. In Florida, PIP was made mandatory because most accidents would cause under $10,000 in damages or injuries. Thus, PIP aims to solve the problem of medical bills not getting paid, people suffering from reduced credit scores, and accident victims fearing lack of treatment accidents and claims. Since PIP is mandatory for all Florida motorists or registered vehicle owners, treatment at a medical facility will be covered by the insurance carrier which must be notified of the accident to proceed accordingly following an accident. In this case, the injured party will visit his or her medical practitioner and sign an assignment of benefits which grants the doctor the right to bill the insurance provider directly on their behalf. Furthermore, individuals that have suffered personal injury as a result of the accident in Miami, may opt to file their own PIP claim treatment coverage. PIP provides accident victims with the legal right to visit a doctor for treatment regardless of whether they have medical insurance. Also, PIP allows you to seek medical treatment no matter who was at fault for the accident and PIP pays up to $2,500 subject to a deductible and co-payment unless there’s an emergency medical conditions that entitles $10,000 in injuries or lost wages. The Perazzo Law Firm strongly recommends that those who can afford it, to supplement PIP with other insurance policies such as uninsured or underinsured motorist coverage. Following an accident in Miami or and Florida city or suburb, additional insurance coverage policies will help protect against medical costs for treating serious personal injury or even third-party wrongful death. If you, a friend or relative has been in an accident that has resulted in personal injury or damages, one of our Miami personal litigation or insurance claims lawyers can provide all the right answers to any questions concerning PIP and PD insurance coverage. The Perazzo Law Firm offers a FREE initial Consultation and ZERO OUT-OF-POCKET COSTS to its clients seeking compensation for injuries or damages from an insurance claim following an accident. Find out more about PIP and PD by visiting the Perazzo Law Firm page.
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