Florida’s no-fault auto insurance law can be complicated for those who fall under the program. The law simply states that vehicle owners must carry personal injury protection, or P.I.P. insurance protection, first and foremost on their auto policy along with the state accident liability minimum protections. Any other rider is voluntary, such as uninsured and under-insured motorist protection that is to be used in hit-and-run instances or very serious accidents where the at-fault driver has minimal insurance protection levels. Personal injury protection is designed as the first payment alternative when drivers or vehicle owners are injured in an auto accident, but there are specifics regarding use of the insurance that can leave the injured party at odds with their own insurance company. This is why it is vital to have professional representation from a Miami insurance law firm like Buchalter Hoffman & Dorchak Miami Florida insurance lawyers for proper application of the law.
PIP Qualifications
Personal injury protection in Florida is designed as an emergency first alternative for injured passengers in an auto accident. This means that injury coverage must be qualified by the stipulations of treatment within 14 days of the accident. Many people are injured in an accident and do not realize the problem immediately, only to have it manifest later. If it does not manifest within 14 days, it may not be covered. This gives the insurance company reason to deny the claim, which they assuredly will do.
Restrictions on Further Medical Claims
Another problem those injured in a Florida auto accident may have include restrictions on pursuing damages beyond PIP coverage. The amount of PIP an injured claimant has can make a major difference, as state minimums are actually very low compared to potential medical treatment bills. It is easy to maximize coverage following an accident injury and pursuing further financial recovery from negligent parties must be approved by the state through documentation of the seriousness of the injury. Insurance companies also assuredly will use this issue or any other technicality available to deny or reduce a claim value.
Contact a Miami Insurance Law Firm
Filing a P.I.P. claim following a Florida accident is not as simple as it seems. Always contact Buchalter Hoffman & Dorchak Miami Florida insurance lawyers for comprehensive representation and demand whole damages for your injuries.