PIP UPDATE!

By now you’ve probably heard a million blogs concerning Florida’s PIP, (P – I – P) personal injury protection. It’s a mandatory part of your auto policy in the state of Florida. What is it? More like, what was it? It was sort of a $10,000 health insurance policy you were required to purchase as part of your car insurance.
But what does it mean? At one point it meant, if you were injured in an auto accident you could count on $10,000 worth of coverage for your medical bills and or your lost wages. I say, it used to be that way. It isn’t any longer. Here’s what you need to remember; if you have an automobile accident, you need to go to the emergency room. Now in order for your PIP to be used to pay your medical bills, your injuries have to be declared as an emergency. You have to have sought emergency treatment at the outset of injuries. If you go to the emergency room it’s pretty hard for an insurance company to argue that you didn’t have an emergency medical condition.
If you have an accident, go to the emergency room. If you don’t, $10,000 PIP policy you paid for could be reduced to $2,500. Yeah, I know you paid for $10,000 in coverage. I’ve heard that argument before. But, your insurance company is only going to give you $2,500 to pay your medical bills. Don’t go within 14 days for medical treatment because you’re trying to macho it out? Then you get nothing. You won’t get any money to go towards your medical bills from the PIP of $10,000 you paid the premium for.
So, if you have an accident, be sure when asked if you need to go to the emergency room that you say, “yes”. If you don’t go by ambulance get someone to drive you. But go to the emergency room. If you have any questions call us. We’re Q Auto and Injury Attorneys. Our toll free number is 800-332-1992 or email us at info@qlaw.com. Check out our latest podcasts on iTunes or YouTube for free.

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