If you were injured in a car accident anywhere in or around Orlando, you’ll want to learn about personal injury protection (PIP) insurance fast. Anybody who has a motor vehicle that is registered in Florida is required to carry a minimum of $10,000 of PIP insurance coverage.
What PIP Covers
As per our PIP claim attorney in Orlando, drivers, passengers, bicyclists, and pedestrians are all insured by PIP coverage for a sum equal to 80 percent of their medical bills and 60 percent of their lost wages in the event they’re injured in a car accident, so long as treatment is started within 14 days of the accident. Florida’s PIP insurance also covers $5,000 of death benefits. All PIP benefits are subject to the insured person’s deductible.
Emergency Medical Conditions
In order to avail himself or herself to the full $10,000 of PIP benefits, the person claiming injury from a motor vehicle accident must be diagnosed with an emergency medical condition (EMC). The fact treatment might have been rendered immediately at an emergency room is irrelevant. Florida law defines such a condition as one if left untreated, would put the claimant at risk of one of the following:
- Jeopardy to the person’s overall health.
- Impairment of bodily functions.
- Serious dysfunction of any bodily organ or part.
If it’s determined the claimant didn’t suffer an emergency medical condition, PIP coverage only extends to a maximum of $2,500. It’s the insurer that makes the EMC decision. On that basis, expect the insurer to use any excuse possible to avoid paying EMC benefits. Whether you’re a patient or a health care provider, underpayment and denial of PIP benefits create a burden. You can arrange for a free consultation and review of your claim by contacting a PIP claim attorney in Orlando at Shuster & Saben LLC at 877-511-7829. You can even use our easy contact form at www.piplaw.com.