The State of Florida is considered a no-fault law state when it comes automobile insurance. The basic principle behind no-fault laws is that instead of suing the at-fault party right away for the automobile collision, the injured party is assured a “swift and virtually automatic” payment of his or her medical payments and lost income by his own insurer. This is commonly referred to “Personal Injury Protection” of PIP insurance.
The language of statute, Fla. Stat. § 627.736(1), requires PIP benefits for any “loss sustained… as a result of bodily injury… or death arising out of the ownership, maintenance, or use of motor vehicle.” In Florida, only 80% of your medical costs/bills will be covered by PIP. You get $10,000 access to PIP if you cross the injury threshold. The injuries must be considered an emergency. Injuries that are considered an “emergency“ include severe bodily disfigurement and/or permanent injury or injuries that result in death. If you do not cross that threshold, you are entitled $2,500 worth of benefits, instead of the $10,000. It is important to understand the severity of your injuries from an auto accident in order to determine what PIP benefits you are entitled to.
Call us at 813-540-4615 today to value your injuries!