lowercase tip: Personal Injury Protection (PIP)

am I really entitled to up to $10,000 just because I was involved in a car accident?

Anyone listening to the radio or watching TV in South Florida has seen or heard the commercials shouting, “You can get $10,000 if you are involved in a car accident!” But are you really going to get $10,000 in your pocket if you get in a car accident? The answer is a little more complicated than yes or no.

what is PIP insurance?

The $10,000 that all these ads are referring to comes from the Personal Injury Protection coverage in your car insurance policy. Personal Injury Protection, commonly referred to as “PIP” or No Fault Coverage, is required in Florida and provides a minimum of $2,500 and a maximum of $10,000, to cover any of your medical bills, mileage costs related to your medical treatment and lost wages as a result of a motor vehicle accident, regardless of who is at fault. PIP will pay 80% of your medical bills (if the insurance company finds your injuries and treatment reasonable, related and medically necessary) and 60% of your lost wages (if your doctor finds that you are unable to work). Don’t let these ads fool you! Don’t expect that once you call the number on the ad, you are going to receive a check for $10,000.

how do I get compensated for PIP damages?

Circling back to the question presented earlier, “Are you really going to get $10,000 in your pocket if you get in a car accident?” The answer is not a simple yes or no. The clear and up front answer is that you may be entitled to up to $10,000 to cover medical bills, mileage costs and lost wages. The reality is if you are involved in a car accident and your insurance company is paying out money from your PIP coverage, it means that you are really injured and are seeking treatment for your injuries. Thus, the money that you will be receiving, will need to be used to pay for all your expenses related to your treatment, any money that you lost from missing work and/or the costs of transporting yourself to and from treatment. You certainly will not receive $2,500 – $10,000 by cash, check or bitcoin to spend at Brickell City Center, Sawgrass Mills, Dolphin Mall or at the Bal Harbor Shops!

how can a lowercase attorney help with a PIP claim?

Questions you might be asking yourself now is, what happens after your $10,000 PIP coverage is exhausted? Am I going to go in debt paying for my medical bills if they exceed $10,000? What are my options?! Depending on the determination of fault for the accident and the insurance coverages of the adverse driver, you may have the right to recover your damages (which can include medical bills, lost wages, pain and suffering), if you meet the requirements for permanent injury and/or significant scarring under the applicable Florida Statute. This is where lowercase steps in!

Because dealing with insurance companies can be complicated and these ads floating around can be misleading, give the car accident attorneys at lowercase a call at 833-LOW-FEE5 (833-569-3335) or send us an email at info@lowercaselaw.com to help guide you through this confusing and complex process and get educated on what your compensation options really are. Don’t believe the hype! Let lowercase represent your interests and rights!