When you are in an accident and suffer serious injuries, you will most likely need medical treatment and possibly physical therapy. The losses you incur can depend on the severity of the crash, but regardless of your fault, you may need assistance to cover the fees. Florida is one of the ten no-fault states and requires anyone harmed in a car accident to file a personal injury protection (PIP) claim under their own insurance policy.
Drivers must carry PIP coverage under Florida Law. Regardless of liability, drivers are offered assistance after an accident to help cover damages and financial hardships. However, Florida is a limited no-fault insurance state. PIP in Florida covers 80% of your medical bills and 60% of your lost wages until the cap of $10,000 coverage is reached. Therefore, to be made whole and recover any medical bills over the $10,000 coverage cap, the injured party must pursue a claim against the at-fault driver. In situations like these, it is vital that you contact a St. Petersburg car accident attorney to help you receive the compensation you need.
What Does Personal Injury Protection Cover in Florida?
Also known as no-fault insurance, personal injury protection (PIP) helps cover losses you incur after a motor vehicle accident, no matter who is at fault. The main categories that personal injury protection covers include:
Medical Expenses
Motor vehicle accidents can cause severe, life-threatening injuries. From traumatic brain injuries (TBIs) to fractures, the harm you suffer can require extensive medical treatment. The medication, hospital expenses, physical therapy costs, and diagnostic services are a few of the many medical services you may need. PIP coverage helps you recover these expenses at 80%.
Lost Income or Wages
When you suffer debilitating injuries that hinder your ability to continue working, you may need time off to recover or are let go from your position. Either way, the income you once provided to the household may no longer be available due to your injuries. If this happens, you and your family may suffer significant changes in your lifestyle. PIP coverage helps you recover 60% of these lost wages.
Cost of At-Home Services
Injuries can even make it difficult to take care of your everyday household chores. In this case, PIP can help cover the cost of home assistance. Examples of at-home services are laundry, house cleaning, childcare, and pet care. When you need assistance around the home, these services can significantly reduce your stress so that you can focus more on your recovery.
Personal injury protection also includes when you are a passenger, not just when you are driving. You can also file a claim if you suffer injuries while riding a bike or walking. However, the maximum amount of PIP is $10,000.
Call Marsalisi Law for Dependable Florida Car Accident Attorney Today
With the help of an experienced car accident attorney, you will have the tools and knowledge to have a smooth and successful case. Attorney Frank P. Marsalisi is proud to offer clients dependable and trustworthy guidance through all their legal needs. At Marsalisi Law, our main goal is to make sure your rights are protected and presented in legal proceedings. We give you the resources and tools you need to seek the compensation you deserve.
Attorney Frank P. Marsalisi is fluent in both English and Spanish and offers his services in both languages, so clients can feel comfortable communicating their intentions and needs. If you are in need of reliable legal representation for a car accident or injury involving a motor vehicle, seek assistance at Marsalisi Law. Marsalisi Law is Where Law Gets Personal! Call (727) 800-5052 or fill out our contact form for a free consultation today.
