How Does PIP Work if I Am Not At Fault for the Accident?

Getting into a car accident, especially when you’re not at fault, puts you in a difficult situation. The first question you might have is how to cover medical expenses and other costs. Florida’s Personal Injury Protection (PIP) insurance helps cover medical bills regardless of who caused the accident. Whether you’re involved in a crash with an uninsured motorist or if the other driver’s insurance isn’t sufficient, PIP can help you pay for treatments, lost wages, and other necessary expenses.

At Fighter Law, we understand that your primary concern should be healing after an accident, not stressing over claims and benefits. Our team, led by experienced personal injury attorneys Thomas Feiter and Jessica Travis, is here to assist you with every step of your PIP claim. With extensive knowledge of Florida’s laws, we’re committed to fighting for your deserved compensation.

Do I Need to Prove Fault to Use PIP Insurance After a Car Accident?

One key aspect of PIP insurance is that it doesn’t require you to prove fault for the accident to access benefits. Since Florida follows a no-fault insurance system, your own insurance company is responsible for covering your medical costs, regardless of who caused the accident. If your medical bills and lost wages surpass the coverage limit set by your PIP insurance, you may be entitled to additional compensation. That makes PIP insurance incredibly helpful after a crash.

However, this doesn’t mean that your claim will automatically be approved. Sometimes, insurers try to minimize payouts or deny claims altogether. If this happens, you’ll need the help of an experienced personal injury lawyer to ensure you get the coverage you’re entitled to.

What Does PIP Insurance Cover After a Car Crash in Florida?

PIP insurance provides coverage for a variety of expenses following an accident. Although it doesn’t cover everything, it can significantly reduce the financial burden after a crash. Here’s what is typically covered:

• Medical bills
• Lost wages
• Transportation costs
• Funeral expenses

While PIP insurance helps reduce immediate financial concerns, it’s essential to remember that it doesn’t provide coverage for pain and suffering. For severe injuries, a separate claim or legal action may be necessary.

What Happens If I Exceed My PIP Insurance Coverage?

While PIP covers many expenses, it does have limits. In cases where medical expenses and lost wages exceed the $10,000 coverage or the injuries are more severe, you may have to seek additional claims through your health insurance or even pursue the at-fault driver’s insurance to recover the remaining costs.

Florida law allows you to pursue further claims, especially if your injuries are significant. For example, if you suffer from long-term disabilities or scarring or need extensive treatment, you may qualify for additional damages through a lawsuit against the at-fault driver.

Having an experienced personal injury attorney on your side is indispensable in these cases, as they can help you file a claim and determine if you meet the state’s injury threshold. That can lead to recovering additional compensation beyond what PIP covers.

Get Support With Your PIP Claim From Experienced Florida Car Accident Attorneys Today

Getting professional legal help is crucial if you’re struggling with delays, denials, or issues with your PIP claim. Insurance companies may push back or try to reduce the value of your claim, but with the right legal support, you won’t have to face them alone. Our dedicated attorneys, Thomas Feiter and Jessica Travis, are known for their aggressive and results-driven representation. As Board-Certified Trial Lawyers, they understand the ins and outs of Florida’s insurance laws and are ready to fight for the compensation you’re entitled to.

If you’re facing difficulties with your PIP claim, contact Fighter Law and let us guide you through the legal journey. Get in touch and call (407) 344-4837 or complete our contact form to schedule your free consultation today.

Share: