When you’ve been seriously injured in a car accident, medical bills are going to pile up quickly. You’re likely to be off of work for a while, too. Florida’s legislature recognized that fact of life, and in its no-fault insurance law, it added personal injury protection (PIP). Every vehicle that’s registered in Florida is required to have PIP coverage at a minimum of $10,000. PIP helps accident victims by covering medical bills at 80 percent and lost earnings at 60 percent regardless of who was at fault for the accident. You must begin treatment for your injuries within 14 days of the date of your accident though, and keep in mind, PIP doesn’t cover massage therapy or acupuncture. PIP even covers insured people with $5,000 of death benefits.
The Emergency Medical Condition
According to our PIP claims lawyer in Tampa, in order to be eligible for the full $10,000 of PIP benefits, the injured person must suffer from an emergency medical condition (EMC). Standing alone, the fact an accident victim treated at an emergency room doesn’t necessarily constitute an EMC. If sufficient documentation isn’t submitted on a claim to justify an EMC, maximum payable PIP benefits are likely to be reduced to only $2,500.
Representation
Insurance companies make money by collecting premium payments and paying out as little as possible on claims. Both injury victims and healthcare providers might have issues arise on underpayment or an insurer not paying any PIP benefits at all. Here at Shuster & Saben LLC, we represent both injured accident victims and healthcare providers. If you were injured in a motor vehicle accident in or around Tampa, even as a bicyclist or a pedestrian, don’t hesitate to contact us about any PIP issues that might arise. If you’re a healthcare provider in or around Tampa, you work hard to help others. You deserve to get paid.
