A car accident often damages more than just your car.
Medical bills, lost wages and other expenses can accumulate quickly and begin to apply serious financial pressure on you and your family.
But, if you drive a car and have car insurance in Florida, then you most likely have Personal Injury Protection benefits available to you after a car accident.
Personal Injury Protection benefits, also known as “No Fault Insurance” benefits, could help cover those costs. It's called "No Fault" because the benefits will cover these expenses regardless of who was at fault for the accident. You have a right to these benefits and do not need to repay them.
What Exactly Do No Fault Benefits Cover?
No Fault benefits pays 80% of your medical expenses and may pay 60% percent of your wage loss you have incurred after a motor vehicle accident up to $10,000.
The first thing you need to know about No Fault insurance is that it is like a line of credit: once you use it, it is gone and you cannot access it again. It is your decision how to spend your No Fault benefits, but if you want to reserve some funds for wage loss, you need to notify your insurance company right away.
Every No Fault policy is required to cover:
- You riding in another car
- You as a pedestrian
- You as a bicyclist
- Family members that reside with you
- Passengers of your car (in some cases)
How Do I Access My No Fault Benefits?
After you have been in an accident you should call your insurance company immediately and request from them an Application for Florida "No Fault" benefits to get your claim started.
In order to qualify for the full $10,000 of your No Fault benefits, you must see a doctor who has the ability to diagnose you with an emergency medical condition. Otherwise, your No Fault benefits may be limited to a maximum of $2,500.
Most emergency room doctors are qualified. As well as most specialists, orthopedics, and other facilities that have a medical doctor on staff.
But What if My Expenses from the Car Accident Exceed $10,000?
You may be asking yourself, “Well, what about the 20% of my medical bills that aren’t being paid or the 40% of my lost wages that aren’t being paid?” Those can be the responsibility of the person who caused the accident.
Unfortunately, the other person will only pay if a case settles, (which can often be months to years after the date of an accident) which is why it’s so important to take advantage of your No Fault benefits now!
Have Additional Questions? If you get into an accident and need legal advice on making your No Fault claim, call the Coye Law Firm for a free consultation. Our expert accident attorneys can help strategize the best use of your No Fault benefits and answer any questions you may have about your accident.
Do I Need an Attorney to Get No Fault Benefits?
- 9 Steps You Should Take After Being Involved In A Florida Car Accident
- 4 Major Mistakes Accident Victims Make That Could Jeopardize Their PIP Benefits
- What To Expect When Calling A Personal Injury Law Firm About Your Florida Car Accident