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How Does PIP Coverage Impact My Florida Personal Injury Case?

woman on the phone touching dent in her car

If you insured your car in Florida, chances are you’ve heard of Personal Injury Protection (PIP) coverage. In Florida, all drivers must carry a minimum of $10,000 PIP coverage to cover medical bills and lost wages due to an injury sustained in an automobile accident.

But what exactly is PIP coverage, and how does it affect your personal injury case? Let’s take a look.

Understanding PIP Coverage

Personal Injury Protection (PIP) coverage is a type of no-fault insurance that covers medical bills, lost wages, and other expenses related to an injury from an automobile accident, regardless of who was at fault. This means that if you get into an auto accident, the other drivers involved will not be held responsible for your injuries or expenses—your own insurance company will pay for them up to the limit set by your policy. This limit is typically between $10,000 and $25,000 in Florida.

It's important to note that while PIP coverage can help minimize some of the financial burden associated with an auto accident injury, it cannot replace any additional compensation you may be eligible for under tort law. That is why having an experienced attorney on your side is so important; they can help you get the maximum amount of compensation possible for your case.

How PIP Coverage Can Affect Your Case

In most cases involving car accidents, there will be two separate claims; one against your own insurance company for your damages covered by PIP and one against the at-fault driver for damages not covered by PIP, such as pain and suffering.

However, if the other driver does not have adequate liability insurance (or any at all), then it is likely that your own insurance company will try to reduce their payout of your claim—and this could leave you with much less than what you deserve. That is why it's important to speak with a lawyer before filing any personal injury claims after an automobile accident; they can advocate for the compensation you deserve.

Ever Argued With A Woman?

When it comes to understanding personal injury protection (PIP) coverage after a car accident in Florida, knowing how this type of no-fault insurance works and how it affects your personal injury claim can help you seek the damages you deserve.

An experienced attorney can also provide invaluable assistance in navigating these complex issues, so don't hesitate to take the first step and schedule a consultation with one of our experienced attorneys. Call us today at (863) 644-5566. We are waiting for your call!