Is It Bad To Not Have A PIP Insurance In Florida?
Corbin Sutter
Insurance Laws
Florida as a no-fault state requires car owners to have a PIP or Personal Injury Protection insurance. The PIP shall cover your medical expenses and treatment for the injuries you suffered following an auto accident. As it is mandatory, refusing to get PIP insurance will be a violation of state law. If you are having doubts about the PIP, here are reasons why you should definitely have one.What Is The PIP For?
The PIP is more than just a simple state policy. In fact, it ensures your security when you get involved in an auto-related accident. As mentioned above, your PIP automatically covers your medical bills after a nasty crash, such as hospitalization fees and treatment for your wounds and injuries. This means that you would not need to wait for any court settlement or insurance negotiations to get treated. The PIP also prevents any payment delays for wounded and injured drivers.
Why Do You Need To Get A PIP?
Do not underestimate how much hospital bills and medical treatment can skyrocket. If you get into a car accident, you might suffer from grave injuries that will require weeks of hospitalization, lots of medication, and expensive medical procedures. Without a PIP, you will be shouldering all of your medical expenses alone, and you might not even receive immediate treatment.
Having a PIP also ensures the safety of your family members as they will also be covered under your insurance coverage. If a family member gets into a car accident, he or she can use your PIP to pay for treatment and hospitalization fees.
What Does The PIP Cover?
People can suffer from a variety of injuries and wounds after a car accident, and these require different treatments and medical attention. In addition, injuries from car accidents can also affect other aspects of a victim’s life, such as their career. Here are the things that can be covered by your PIP:
• Medical Bills - Depending on the treatment you seek, your PIP can cover up to 80% of your treatment fees including X-Rays, therapies and rehabilitation, and medical surgeries.
• Death Expenses - In worst cases, death may be inevitable. Your PIP can still help your family cover funeral costs and provide other death benefits of up to $5000.
• Lost Wages - When your injury is severe, this can affect your ability to work. Being unable to report to work can cause you to lose days or weeks worth of pay. Your PIP can also cover that.
What If I Am Only A Seasonal Visitor?
Some people stay in Florida for a few weeks or months. If you are a seasonal visitor, you may still be required to get a PIP if the vehicle you are going to be driving your vehicle in the state for 90 days or more. This can apply to those whose employment locations are in areas like Port Charlotte, or people who spend a whole season in Sarasota.
Having PIP is mandated by state law and having one can save you from a lot of worries. If you are having trouble with your PIP or wish to make any amendments on your PIP arrangement, getting assistance from a car accident lawyer will be helpful.