What is No-Fault Insurance?
No-fault insurance (a/k/a Personal Injury Protection or “PIP”) is mandatory insurance that Florida law requires be carried by all motor vehicle owners. It provides you, the insured, with access to $10,000 of medical and lost wage reimbursement benefits. Important things to keep in mind in order to preserve access to your full $10,000 of benefits, is that you must be seen by a qualifying physician or medical practice within 14 days of the crash. If you wait until day 15 to seek medical assistance, you are denied your PIP benefits. The other consideration is that you must be diagnosed with an Emergency Medical Condition (EMC) by a qualifying physician or medical practitioner. Otherwise, your insurance company may terminate your benefits at $2,500.00, depriving you of $7,500 worth of benefits that you’ve been paying premiums on all along.
No-fault insurance is a mandatory type of insurance that Florida requires all motor vehicle owners to carry, and it provides you, the insured, with access to $10,000 of benefits. It’s there to help pay for medical care, lost wages, other out of pocket expenses you incur as a result of a motor vehicle accident. Important things to keep in mind in order to preserve your full $10,000 worth of benefits, is that you must be seen within 14 days of the crash in order to have those benefits. If you wait until 15 days, then you don’t get the benefit of any of that money. The other consideration is that you be seen by an MD or a DO at some point, who can diagnose you with an emergency medical condition. Otherwise, the insurance companies can cut your benefits at the $2,500 mark, and so you’re missing out on $7,500 worth of benefits that you’ve been paying premiums on all along.
Julie S. Luhrsen, Esq.
Julie Luhrsen represents the injured. Like Atticus Finch, the fictional hero of Harper Lee’s To Kill A Mockingbird, for Julie it’s about looking out for others, it’s about leveling the playing field.
For over 20 years, Julie’s been looking out for personal injury victims and their families who’ve suffered injuries due to someone else’s carelessness or wrongdoing. She’d welcome the chance to stand in your shoes and evaluate your case – confidentially and at no cost. Please contact her today if you or a loved one has been a victim of an automobile crash, motorcycle wreck, slip or trip and fall incident, homeowner negligence, or any other negligent injury or wrongful death.