No one ever wants to be in a position to have to use any of their insurance benefits. We as individuals do our best to plan ahead and secure a bright and prosperous future. However, even if you are the most cautious individual, the future is unpredictable and our whole lives can be turned upside down in a blink of an eye, especially if your finances are involved. If you are involved in an auto accident it is important to have an attorney on your side. Seth M. Alper has been a lawyer in Florida since 2012 and has been serving Sebring, Florida, and surrounding areas for years. His strong knowledge of the insurance industry comes from his time working as a defense attorney representing one of the largest insurance companies.
Knowing ahead of time that life can throw a curve in your plans allows you to think about protecting yourself and the things you hold most precious in your life. Insurance allows us to better prepare for when the unexpected strikes. In addition to motor vehicle insurance, having an experienced attorney on your side and representing your interests are two of the most valuable ways to protect yourself when you are on the move. A motor vehicle insurance policy can come with many options and benefits to help protect you, your passengers, and your vehicle. One of the coverages required on a motor vehicle insurance policy is Personal Injury Protection.
Personal Injury Protection, also known as PIP, covers your medical expenses for injuries related to a motor vehicle accident. Personal injury protection covers your medical expenses up to $10,000.00.
This coverage benefits injured persons regardless of who was at fault in the accident. PIP is also known as no-fault insurance. This coverage helps alleviate some of the burdens when seeking unexpected medical treatment due to an accident.
Who is covered?
You, the insured, are covered while driving your vehicle or when you are a passenger in another person’s vehicle. As Seth M. Alper P. A. explains, Personal Injury Protection could cover you even if you’re not in your car. For example, if you are on a bike or a pedestrian and struck by a motor vehicle and you are injured, your PIP provides coverage for you.
Relatives who live with you also known as resident relatives may be covered under your personal injury protection. If a resident relative is injured in a motor vehicle accident and they do not own a vehicle, your PIP coverage may be invoked.
Passengers in your vehicle also may be covered under your policy as long as they don’t own a motor vehicle.
How does PIP work?
If you are ever in an unfortunate situation where you are in an accident and you are hurt, personal injury protection coverage will pay 80% of reasonable medical bills up to $10,000.00. PIP in Florida will also pay 60% of your lost income and loss of earning capacity. Personal Injury Protection will also pay $5,000 towards death benefits.
In the State of Florida, you must seek treatment within 14 days of the accident in order to use your PIP coverage. When you seek medical care, the facility will have you sign a document called an Assignment of Benefits. This document enables the medical provider to directly bill and receive payment from your insurance carrier.
If you ever find yourself needing to use your insurance policy due to an accident and feel overwhelmed by injuries or the amount of stress you may inevitably face with the adjuster and need to just wrap your head around how to deal with the situation in general, call Seth M. Alper Law. Insurance companies may not have your interest in mind and typically offer non-represented parties nominal compensation. Seth M. Alper, P.A. zealously advocates for you and assists in maximizing your recovery.