Normally, if someone is in a car accident, the insurance company of the driver at fault pays for not only damages, but also medical expenses if someone was hurt. This can be a long, drawn out process in many cases. However, there is another type of coverage called PIP or Personal Injury Protection Insurance, where you are covered quickly even if you are considered to be at fault for the accident.
If you live in a no-fault state such as Florida, you are required to buy PIP or personal injury protection to cover medical expenses in the case of an auto accident.
So, What Is PIP Insurance?
PIP insurance is very different from regular auto insurance. Instead of trying to determine which driver is at fault, PIP insurance Shuster & Saben LLC pays without worry of the at-fault party. The skilled staff at can explain exactly what PIP insurance will cover.
A huge advantage of this kind of insurance is that you don’t have to go through a lot of litigation or court cases to get your medical expenses covered. You can also be compensated for lost wages or funeral expenses. PIP insurance is meant to lessen these types of lawsuits and save the state money. The injured parties can get the health care they need right away and don’t have to worry or stress to see if they can win a lawsuit.
How Much Does PIP Insurance Cover?
Another question you probably have is exactly what PIP insurance will cover. In the state of Florida, PIP insurance covers up to 80 percent of the injured person’s medical bills, and that includes x-rays, dental, surgical and other medical expenses.
The injured person has to seek out medical help within 14 days of the accident, and the insurance company may be the ones to choose the doctor that can be used, as this helps to eliminate medical fraud and keep your PIP insurance premiums as low as they can be.
How to Get PIP Insurance
It’s also simple to get PIP insurance. Just ask your regular auto insurance company. The staff of attorneys at Shuster and Saben LLC can assist you in knowing what is required by law and can help you to determine the best possible type and amount of PIP insurance for your situation.
So, if you are curious as to what is PIP insurance, then just make an appointment, call or send us an email at Schuster & Saben LLC today.