No Fault Car INsurance Attorney
Florida is a "No Fault" state when it comes to automobile insurance. What does this mean? When you purchase insurance, one of the types of insurance provided to you for your vehicle is personal injury protection benefits (PIP) insurance. This type of insurance provides coverage for the insured (and at times relatives residing with you) in the normal amount of $10,000.00 in benefits. In some instances, insurers offer additional benefits at an increased cost.
The PIP insurance operates to pay your first $10,000.00 of medical bills and lost wages submitted to your own insurance company regardless of fault. If you have purchased a deductible, the deductible amount is usually excluded first. These initial benefits must be applied for, and all medical bills and lost wages must be submitted to your own insurance company first. If these bills exceed $10,000.00, the negligent driver's bodily injury insurance coverage is responsible for remaining damages. A Florida personal injury protection (PIP) attorney can help should you be involved in an accident.
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