Whether you need personal injury protection (PIP) coverage when you have health insurance can be complicated if medical care for your injuries exceeds PIP’s maximum coverage. Other options following a car accident can include:
- If you are not at fault for the accident, the at-fault driver’s insurance company should step in and pay your medical and other accident-related expenses.
- If you are the at-fault driver, your own health insurance might pay your medical expenses after the PIP maximum has been met.
Under Florida statute 627.736, if you seek necessary medical care within 14 days, PIP insurance will only cover 80% of your reasonable medical expenses up to $10,000 even if you are found to be at-fault for the accident. Discuss your remaining financial recovery options with a lawyer near you.
PIP Insurance Covers More Than Medical Expenses
Even if you use your own health insurance to cover medical bills where PIP’s coverage ends, you can still benefit from other protections offered by PIP. You might need PIP coverage if you have health insurance just to pursue the additional benefits PIP offers, like:
- PIP’s disability benefits will pay to cover some of your lost income and reasonable expenses for help in your house that you might require while you recuperate. Coverage of this kind can prove invaluable for your peace of mind and for the smooth operation of your household.
- PIP’s death benefits will pay up to $5,000 in death benefits that can help your family in a time of need. If you lost a loved one in a car collision, PIP insurance will help you pay for their funeral and burial expenses, relieving your family of a huge financial burden.
Speak to a lawyer in your area to understand the full range of benefits Florida PIP insurance can provide.
Understand the Medical Expenses PIP Covers in a Car Accident
You might need PIP coverage (even if you have health insurance) because PIP will only cover 80% of your medical expenses after an accident. PIP also maintains the following restrictions:
- Medical treatments must be started within 14 days of the accident.
- PIP coverage is limited to only $2,500 for non-emergency care.
PIP insurance is valuable, but does have its own limitations. Your health insurance may provide you with additional coverage following a car accident.
PIP Can Relieve a Huge Financial Burden
You may still need PIP coverage if you have health insurance in Florida. You may also need to rely on other protections PIP offers for which your health insurance may not provide. Do not hesitate to contact a firm that can help you understand everything to which you may be entitled through your PIP coverage.
Call the Law Offices of Anidjar & Levine at 1-800-747-3733 to discuss your car accident expenses and PIP coverage with a lawyer near you today.
