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Boynton Beach Personal Injury Protection Coverage

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Vignette of woman rubbing her neck after a car accident

Personal injury protection coverage, also known as PIP or no-fault coverage, is insurance that will pay a portion of a person’s medical bills for injuries sustained in a motor vehicle accident. This is one of the two insurances that a person is required to have on a vehicle before it can be registered. In order to go to the motor vehicle department and get the tag, the individual has to show proof that they have personal injury protection and property damages insurance.

Many accident victims worry about how to pay for their medical bills. Even if coverage is available, insurance companies will sometimes work hard to avoid paying a claim. If you need help negotiating with your insurance provider to get the coverage you need, reach out to our experienced car wreck attorneys at Kogan & DiSalvo. We could handle the details of your claim so you can focus on recovery.

Injuries Covered by Personal Injury Protection

Two doctors examining a hip X-ray

For any injuries resulting from a motor vehicle accident, the person’s own company is the primary insurance for payment on those medical bills. A person’s health insurance does not pay for these medical bills until personal injury protection is exhausted. Under Florida law, it is necessary that a person is treated within 14 days of the accident to be covered by PIP. Typically, personal injury protection is $10,000 worth of coverage which pays for 80 percent of the medical bills, unless a person pays for extra coverage.

In order to receive the full $10,000 of coverage, a doctor must certify that the victim has an emergency medical condition or EMC. This means that without medical care and attention, these injuries would be expected to last and would have an impact on a person’s life. If this certification is missing, coverage is limited to $2,500.

Common Misconceptions About PIP Coverage

Vignette of a stack of file folders on a desk

One common misconception is that Boynton Beach personal injury protection coverage pays all of the bills. In fact, PIP only pays 80 percent of the reasonable customary charges for medical treatment. PIP coverage also only covers symptoms or injuries causally related to the car accident. For example, if an individual injured their neck in an accident, it still hurts three days later, but it is not related to the accident, PIP coverage will not pay for it.

How a Boyton Beach Attorney Could Help With PIP

Lawyers sitting at a conference room table

During the initial conference with a knowledgeable personal injury lawyer, they could explain the types of PIP coverage or the thresholds necessary. Our lawyers could also explain how Boynton Beach personal injury protection coverage works and how someone could best utilize it in the treatment of their injuries.

If you were injured in an accident and are concerned about how to pay for your medical bills, do not hesitate to contact one of our qualified car accident attorneys. Insurance companies often try to make this process as complex as possible to avoid paying claims, but we could be your advocate. The legal team at Kogan & DiSalvo could break down the information and make it easy to understand so that the insurance company does its part. Call today to schedule a consultation.

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