Answering Your Questions About PIP Insurance
At the Law Offices of Jorge Luis Colón, P.A., we are experienced in a wide range of matters relating to vehicle damage, car accident injuries and various types of insurance coverage. Our Florida personal injury lawyer can help you understand what personal injury protection (PIP) insurance means for you.
How Much PIP Insurance Do I Need?
If you own a vehicle in Florida and you have insurance, you should have personal injury protection (PIP) insurance. At a minimum, Florida law requires that you carry $10,000 of PIP insurance and a minimum of $10,000 of property damage liability insurance. However, you will have to check your policy to see what your deductible is. Under Florida law, you may have a deductible of up to $2,000 for PIP coverage and $500 for property damage liability.
What Does PIP Cover?
PIP insurance covers you up to $10,000, minus your deductible amount, regardless of whether you are at fault or not in a motor vehicle accident. The purpose of PIP is to reduce the number of lawsuits for medical bill reimbursement after car accidents. PIP pays:
- 80 percent of your medical expenses, as long as they are reasonable and related to the accident
- 60 percent of lost wages resulting from the accident
- $5,000 in death benefits
Property damage liability insurance pays for damage you or your family members cause to another's property while driving. Such property may include fences, buildings, telephone poles, other cars and more.
Will PIP Cover Family Members?
For motor vehicle accidents that happen in Florida, PIP covers:
- Any relatives who live in your home
- Some passengers who do not own vehicles
- Others who drive your car with permission
- Pedestrians and bicyclists (if they are Florida residents)
PIP also covers for acts of violence against you while you are driving, including injuries you may have sustained from road rage or carjacking. If the accident occurred in a different U.S. state or Canadian province, PIP will only cover you and relatives who live in your home.
Contact a Gainesville PIP Attorney
If you have questions about how PIP relates to your car accident case, talk to our Gainesville and Ocala attorney for personal injury protection (PIP) insurance issues. Set up a free initial consultation by calling us at 352-484-1845 or toll free at 888-459-5051, or contact us online.