What are the Limitations of Personal Injury Protection (P.I.P.)?

Personal Injury Protection, or PIP, is a type of auto insurance coverage, which is generally required in no-fault states, such as Florida. If you've been injured or seriously hurt in a Florida car accident then you may be wondering what the limits of your pip coverage are.

The car accident attorneys at the Coye Law Firm are well learned in the finer details of insurance policies and what their limitations may be. Call our offices today and speak with an experienced car accident lawyer to get more information on how to receive more benefits from your personal injury protection coverage.

Financial Limitations of PIP

Personal Injury Protection is required in the state of Florida, because Florida is a no-fault state. There is a minimum amount of how much coverage you are required to carry, which differs from state to state, but in Florida you are required to have:
  • $10,000 in personal injury protection
  • $10,000 in property damage liability (if the car accident caused property damage)
Every time you are in a serious car accident your auto insurance will cover you up to your limit of $10,000 or more for:
  • Medical treatments
  • Car repairs
  • Any other damages, such as funeral expenses if a death occurs
As the year goes on, you may find yourself in another auto accident. This would certainly seem confusing, but your PIP coverage will essentially restart. You'll get another $10,000 worth of coverage for that car accident, because it is a completely new and separate claim.

The Issues With Multiple Cases

The are some problems, though, with getting into multiple car accidents in one year. For example, if you have a car accident #1 that is particularly serious, your doctor may go through your PIP benefits and still have the need to use your health insurance. Then if you have car accident #2 in the same year, it could adversely affect car accident #1. 

One reason is because you may need some of the benefits from the first car accident for the second car accident. Also, your personal injuries from the first car accident may have simply been made worse by the second. It may be difficult for doctors and physicians to determine where the injuries originally came from.

For these reasons, it's important to collaborate with your doctors and auto accident lawyer immediately following another car accident. Some of the nuances that may come with multiple claims may be easily taken care of when they are notified as soon as possible.

Compulsory Medical Examination

If you are in a serious car accident and seek medical treatment, your insurance company may investigate into your injuries and your treatment. They may send you to a compulsory medical examination, which is the insurance company's attempt to limit the amount they pay you for your claim. 

The compulsory medical examiner is a similar doctor or physician from the one you may be currently seeing, but chances are they may take you off the treatment you're currently getting or perhaps limit it. The insurance company may be looking to limit the pip benefits they pay out to you for your claim.

The Limitations of PIP and an Auto Insurance Attorney

There may be many limitations of PIP coverage, such as the minimum and maximum amounts of coverage you're allowed/supposed to purchase and the possibility of a compulsory medical examination.

If you find yourself overwhelmed by the process of receiving benefits for your medical bills, car repairs or other damages, contact a Florida car accident lawyer today. Call our offices at 800-648-4941.