West Palm Beach, Florida Personal Injury Lawyers
The attorneys of Smith & Vanture, LLP are standing by. Call us today, or send us an email by filling out the form below. A member of our staff will call you to discuss your case within 24 hours.
Smith & Vanture, LLPWest Palm Beach Office
Tallahassee Office
Orlando Office
To Contact Any Office
Call Toll Free: 1(800) 443-4529
Practice Areas
Please select your area of interest.
INSURANCE DISPUTES
PERSONAL INJURY PROTECTION (PIP) COVERAGE
Required Coverage
When you own a motor vehicle with four or more wheels that is registered and licensed in Florida, the Florida Motor Vehicle No-Fault Law requires you to carry a minimum of $10,000 of personal injury protection (PIP) and $10,000 of property damage liability
Personal Injury Protection (PIP) -- Also called No-Fault Insurance
Personal injury protection (PIP) insurance covers you regardless of whether you cause an accident (are "at-fault") - hence the name "No-Fault" insurance. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents.
PIP follows the individual and protects you if you are in your own or someone else's vehicle.
Example: You own a vehicle, which maintains PIP insurance. You are injured while a passenger in your friend's vehicle. You would still collect PIP under your own insurance policy.
PIP also protects pedestrians or bicyclists if they are injured in an accident involving a motor vehicle.
PIP pays 80% of reasonable and necessary medical expenses related to the accident; 60% of lost wages and all reasonable expenses for replacement services such as childcare or housekeeping; and $5,000 death benefits.
Although the minimum coverage requirement is $10,000, you can opt for a deductible up to $2,000. For an increased premium you can also opt for increased PIP coverage greater than that required by law. You should check with your insurance agent for coverage options available.