The personal injury protection (PIP) statute in Florida requires that motorists have PIP coverage in their auto insurance policy. Florida Statutes § 627.7407 states that motorists “must maintain security for personal injury protection as required by the Florida Motor Vehicle No-Fault Law.”
PIP protection can be very helpful in covering accident-related damages. Our firm will help you seek any PIP insurance benefits you are entitled to. We will also answer any questions that you have about insurance claims, lawsuits, and how our firm can assist you after a car accident in Florida.
How Does PIP Coverage Help Motor Vehicle Accident Victims in Florida?
Personal injury protection provides compensation for medical expenses and lost income after a car accident. PIP coverage may pay for:
- Up to 80% of your emergency medical bills
- 60% of lost income, lost earning power, and loss of household services
PIP insurance coverage is complicated. It may be difficult for you to understand which benefits you deserve. Our team can review your case and seek fair benefits from your insurer.
The Emergency Medical Condition Designation Is Essential To Getting Full PIP Benefits
Accident victims are, initially, only entitled to a portion of their PIP insurance benefits. Though you must carry $10,000 in benefits by law, you do not automatically have access to all $10,000 in insurance benefits.
If your injuries receive an emergency medical condition (EMC) designation, you are typically entitled to more PIP insurance benefits. An emergency medical condition may be one that without medical assistance could:
- Threaten your life
- Impair bodily function
- Cause serious health complications
An emergency medical condition is as it sounds: an emergency. However, in order to claim emergency medical condition status and the benefits that come with it, you will likely need a qualified medical provider to diagnose your injuries.
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How Can an Accident Victim in Florida Seek PIP?
You may have two priorities when seeking PIP benefits after a motor vehicle accident in Florida:
- Getting medical attention
- Hiring an attorney from our firm to lead your insurance claim
You generally only have 14 days to seek medical treatment after a motor vehicle accident in Florida if you hope to receive an EMC designation. By seeking medical attention, you can:
- Meet the 14-day deadline for seeking PIP benefits
- Receive a specific diagnosis for all accident-related injuries
- Document the severity of your injuries before they begin to heal
- Establish a clear connection between your motor vehicle accident and your injuries
If you did not seek medical attention immediately after your motor vehicle accident, you could still be eligible to seek PIP benefits. Our team will review your accident details and provide personalized advice.
How an Attorney Can Help You Seek PIP Insurance Benefits
An attorney from our team can fight for any PIP benefits you are entitled to. If we determine that you may benefit from filing a lawsuit, we can handle that process for you as well.
When representing someone who deserves PIP insurance benefits, our team generally:
Documents Your Injuries
Our firm will help you seek emergency medical condition status, which means documenting your accident-related injuries. We’ll do this by:
- Helping you arrange X-rays, CT scans, MRIs, and other medical images of your injuries
- Getting doctors’ diagnoses of your injuries
- Collecting and organizing all medical bills related to your injuries
- Relying on our medical experts to testify about your injuries
We will make the case for medical providers to grant you EMC status.
Calculates a Precise Cost of Damages
Our legal team will determine exactly how much money you deserve for your accident-related losses. By establishing an exact amount of compensation, we will know whether your insurance benefits will cover your losses.
Negotiates With Insurance Companies
Insurance companies employ experienced negotiators. Those negotiators generally want to avoid paying accident victims like you the money you deserve. Your lawyer from our firm will insist that liable insurers pay the benefits you deserve, including any PIP benefits you are entitled to receive.
Handles the Daily Responsibilities of Your Case
Insurance claims and lawsuits require paperwork, due diligence, communications, and other responsibilities. Our team will handle every aspect of your claim or lawsuit. You can focus on your recovery while we fight for your compensation.
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Our Firm’s Fee Structure Benefits Our PIP Clients in Florida
Our team wants our clients to feel no pressure when they hire us. Our fee structure is client-friendly, as we:
- Receive no upfront or out-of-pocket compensation
- Don’t receive any hourly rate or flat fee
- Only receive our fee if we get compensation for you
This contingency fee structure ensures that our firm bears the entire cost of your case. When we win for you, we get a portion of the recovery.
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Call Dismuke Law for Your Free Consultation Today
The PIP statute in Florida can be confusing, and our firm will answer any questions you have. We can also handle your claim and fight for all of the benefits you deserve.
Call Dismuke Law today for your free consultation.
Call or text 863-250-5050 or complete a Free Case Evaluation form