Car Accident Laws in Miami, Florida: Personal Injury Protection Insurance

              If you’ve been in a car accident in Miami, Florida and were injured as a result, your insurer and the other driver’s insurance may be responsible for paying for your personal injuries. Florida’s Personal Injury Protection (PIP) insurance requirement and its “no-fault” car insurance laws mean that your insurer will pay your medical bills regardless of who is to blame for your accident. PIP claims are made against your own insurance and can cover you for medical benefits up to certain limits.

             According to Florida’s Office of Insurance Regulation, Florida’s “no-fault” insurance provides those injured in an accident up to $10,000 in medical coverage, regardless of who was to blame for the accident. In Florida, all drivers are required to purchase PIP coverage. This coverage, however, doesn’t always cover all medical expenses. For instance, if you or a loved one was severely injured in a car accident, $10,000 may only cover some of your expenses. For instance, spinal cord injuries can cost millions of dollars in medical care and recovery.

If you’ve been injured in an accident and are having difficulty getting the PIP claim you deserve, or if your injuries exceed the $10,000 limit, a car accident lawyer in Miami like Jonah Wolfson with the Wolfson Law Firm, LLP may be able to assist you. According to Florida’s Office of Insurance Regulation, the number of PIP claims has gone up significantly. Because fraud is high, insurers may give injured victims a harder time in collecting the amounts that they deserve. Having an auto accident lawyer on your side can streamline the claims process.

            One Florida lawmaker is even trying to eliminate the PIP protection requirement altogether. According to Property Casualty 360 the proposed law would repeal a law that requires drivers to purchase PIP insurance. Proponents of reform claim that insurance premiums have gone up because of the required “no-fault” insurance. Yet, for some uninsured victims of auto accidents, PIP offers a much-needed safety net.

            If you’ve been injured in a car accident in Miami, PIP insurance may not cover all your expenses. Furthermore, if the accident wasn’t your fault, you may be able to save money in future premiums if you can get the negligent party’s insurance to cover your expenses. A car accident lawyer in Miami, Florida can help you navigate the claims process.