Auto Accident
Florida Auto Accident Lawyer
 Auto accidents remain the leading cause of death for Americans under the age of 34. Each year, 40,000 people lose their lives in auto crashes. The resulting psychological, economic, and physical toll places tremendous strain on families and individuals alike. If the accident is not stressful enough, the aftermath can be a nightmare dealing with issues such as medical treatment, car repairs, mounting hospital bills, lost time from work, and lost wages. Yet, the decisions you make during this stressful period can have lasting impact upon you and your family.
If you're involved in an accident what should you do?
- Call the Police immediately
- Fill out an accident report thoroughly
- Obtain names and phone numbers of witnesses
- Seek medical treatment even if you feel ok at the scene
(your adrenaline may mask a serious injury)
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What is PIP and how does it work?
Florida’s New PIP Law to Go Into Effect January 1, 2008
Governor Crist has signed into law the newly revised Florida No-Fault Insurance coverage (Personal Injury Protection or PIP) that had expired on October 1, 2007.
PIP provides $10,000 worth of medical coverage regardless of who is at fault in the car accident. The new law, which will go into effect January 1, 2008, restricts medical charges and treatment options. However, there is a gap between the expiration date of October 1, 2007 and January 1, 2008 when there PIP is no longer required.
Florida auto drivers must comply with the state’s financial responsibility laws and carry with them proof of insurance. Failure to do may result in the suspension of one’s driver’s license.
Some specific previsions of the new law include:
- PIP will continue to cover 80% of medical expenses up to $10,000 but the benefits are limited to services provided by a physician, osteopath, dentist or other authorized healthcare provider.
- Insurers may limit PIP to 80% of a schedule of maximum charges based on usual and customary charges, or the Medicare or worker’s compensation schedule, depending upon both the service and entity providing the service.
- The PIP insurer must reserve $5,000 of PIP benefits for payments to physicians providing emergency medical care or inpatient care in a hospital.
PIP coverage extends to the one insured, relatives residing in the same household, persons operating the insured vehicle,
Property damage liability insurance remains a mandatory requirement of Florida drivers for any period in which PIP is not in effect. Proof of such insurance must be in the driver’s immediate possession when driving a vehicle.
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