The constantly changing and evolving PIP Law has little change this year by Florida. Personal Injury Protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. Sometimes referred to as the “no-fault” coverage, the PIP statutes enacting it are generally known as no-fault laws. Unlike other states, Florida requires motorists to carry PIP coverage on themselves. The PIP covers payments for injuries and some damages that occur in the event of the accident. The PIP law has been controversial because of the correlation with insurance companies. In the past few months many changes have been placed against the PIP laws. These changes deal with what will be covered by the insurance companies, the process used following an accident, etc. Technically the law made a more drastic change on January 1st 2013. Lawmakers continued to try changing the law throughout 2013 but now in 2014 Florida hasn’t made any significant changes.
These are some things you should remember from the PIP law (According to GetMeJustice):
• For starters, the 75% drop in coverage that occurred in 2013 still stands. Currently, PIP will pay up to $2500 in medical bills related to non-emergency medical conditions that are a direct result of the accident. Emergency related injuries are still covered at up to $10,000, however.
• Reporting injuries still works the same way as well, and it remains one of the more controversial laws related to PIP. All injuries that occurred in an accident must be reported to a doctor on the first visit. Any issues that arise on a subsequent visit can not be covered through PIP.
• Injuries caused by the accident must also be diagnosed within 14 days of the accident. If a victim fails to receive a diagnosis within those 14 days, no medical issues will be covered by the PIP insurance.
• There are also restrictions on the type of medical professionals that can be visited. Currently, no alternative medicine practitioners can be visited under PIP coverage. This means that patients can no longer have visits to a chiropractor or acupuncturists covered under their PIP plan.
After reading what’s listed, its important to have an experienced attorney to help you in the time of an accident. A good attorney can help you argue with insurance companies and ensure what is best for you personally and financially.