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Recovering Lost Wages From Your PIP- Part 2
Go to Recovering Lost Wages From Your PIP- Part 2Continued from Part One in How to Recover Lost Wages from PIP To receive your lost wages under your PIP benefits there are forms that have to be filled out. These forms take time and the PIP adjuster has thirty (30) days to get you a check for your lost wages once it’s been presented…
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Recovering Lost Wages from Your PIP
Go to Recovering Lost Wages from Your PIPOne of the most common areas in which families suffer is when one of the family members have been in an auto accident and they experience lost wages due to a lack of Personal Injury Protection (PIP), covering them against time out of work either from recovering from the initial crash or from the time…
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Can You Still Get PIP Coverage if You Don’t Own an Operable Vehicle?
Go to Can You Still Get PIP Coverage if You Don’t Own an Operable Vehicle?A person may get PIP coverage from a policy they don’t own if they do not have an operable vehicle in the State of Florida. If someone does have or own an operable vehicle in the State of Florida and chose not to have PIP coverage then they will not be able to use anyone else’s…
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Who is Required to Have PIP?
Go to Who is Required to Have PIP?Most motor vehicles in Florida are required to maintain some sort of PIP coverage. The fact is it is one of the only required coverage’s for automobile insurance under Florida Law. The other type of coverage is your property damage coverage. Florida Statute 627.733(1) states that: “every owner or registrant of a motor vehicle, other…
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Why is PIP Primary Over All Other Forms of Insurance?
Go to Why is PIP Primary Over All Other Forms of Insurance?Under Florida Statute 627.636(4) no fault benefits are generally primary over all other sources of insurance and are due and payable as the laws accrues. This means that the bills will be paid within a short period of time of being incurred. This also means that PIP is primary over health insurance, public health care benefits…
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Why Do We Have PIP Coverage in the State of Florida?
Go to Why Do We Have PIP Coverage in the State of Florida?Early in the 1970’s Florida’s automobile insurance industry started complaining that victims of automobile accidents could sue the tortfeasor or at-fault party for their injuries, pain an suffering with absolutely no threshold to recovery. They continued to complain that a relatively small car accident would gain some settlement value because the insurer would have to…
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Commonly Used Terms in Auto Accident Cases- Part 6
Go to Commonly Used Terms in Auto Accident Cases- Part 6Pre-litigation Pre-litigation occurs prior to the initiation of the litigation process. During the “pre-litigation” phase of your file, your attorney will obtain your medical records and bills in anticipation of preparing and forwarding a demand letter to the insurance carrier for the at-fault party (who caused the crash). This process usually ends about the time your…
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Commonly Used Terms in Auto Accident Cases- Part 5
Go to Commonly Used Terms in Auto Accident Cases- Part 5Maximum Medical Improvement Commonly known as “MMI”. Maximum medical improvement is a medical term that means that you have been helped as much as medicine can help you. Thus, while you may not get any better, it does not mean that you need to stop your treatment, nor does it mean that your pain will…
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Commonly Used Terms in Auto Accident Cases- Part 4
Go to Commonly Used Terms in Auto Accident Cases- Part 4Exhausted Benefits This is a term commonly used which signifies that a portion of your policies limit has been reached. For example: if your limits under the PIP portion of your policy is $10,000.00, once that amount is paid by your insurance carrier, then your PIP benefits are exhausted. Your insurance company is then no longer…
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Commonly Used Terms in Auto Accident Cases- Part 3
Go to Commonly Used Terms in Auto Accident Cases- Part 3Personal Injury Protection This is commonly referred to as “PIP”. This is a form of insurance which is mandatory in many states; however, not all states require this type of coverage. PIP guarantees that the person that purchases this type of coverage that a certain amount of their medical bills will be paid regardless of…
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Commonly Used Terms in Auto Accident Cases- Part 2
Go to Commonly Used Terms in Auto Accident Cases- Part 2Insured The person covered under an automobile insurance policy. In a different context, this more broadly applies to anyone covered under any type of insurance policy, but since this blog is dealing with auto accidents, I am using all terms in the context on automobile policy. Tortfeasor Tortfeasor is someone who, by their own negligence,…
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Commonly Used Terms in Auto Accident Cases- Part 1
Go to Commonly Used Terms in Auto Accident Cases- Part 1Bodily Injury Coverage Bodily Injury Coverage is part of your auto insurance policy that you purchase that protects you in case you accidentally injured someone while driving an automobile. This is commonly referred to as “BI” coverage. Property Damage Coverage Property Damage Coverage is part of your auto insurance policy that you purchase that covers…
