Florida spine and injury accidents require you to have and use PIP insurance to cover your expenses, regardless of who is at fault in the accident. But there are definite rules about when and how you can file a PIP claim after a car accident, and there are rules about how much you can receive in compensation. Here’s what you need to know.
What does Florida PIP cover?
Like most states, Florida PIP coverage applies whenever you are in a car accident and covers your medical and pharmaceutical expenses, your lost wages, and future lost wages in case of disability. However, there are some limitations, such as:
- Your PIP will only cover 80 percent of your medical expenses.
- If your injury is not considered an emergency, you will be limited to $2,500 injury compensation.
- If you are disabled, you are only entitled to up to 60 percent of your lost wages, up to a maximum of $10,000.
- You only have two weeks to be treated for your injuries before you are no longer entitled to PIP coverage.
If you don’t want to lose your ability to be compensated for your injuries, you need to make sure you see a doctor immediately after the car accident.
Why does it matter so much when I see a doctor?
The bottom line is that if you wait to see a doctor after a car accident, you are putting your ability to have your medical expenses covered at risk. But in particular, there are two rules about PIP in Florida that are affected by timing:
If your injury is not considered an emergency, you will be limited to $2,500 injury compensation.
Did you refuse the ambulance or on-site medical treatment? You might find it difficult to prove that your injury was an emergency. If you can’t make that distinction, you will only get $2,500 of your medical expenses covered, which is a drop in the bucket if you have a serious injury.
You only have two weeks to be treated for your injuries before you are no longer entitled to PIP coverage.
Not only could you be limited to just $2,500 in compensation, you could lose out on even that small amount if you don’t get treated within two weeks of the accident. When that two weeks runs out, you are not going to be able to file a claim under any circumstances. These strict rules were Florida’s answer to increasing cases of insurance fraud after car accidents.
Do you need to be seen for your injury? Contact us now to get a fast appointment.