Is P.I.P. Enough? | Florida Personal Injury Protection Explained

Jim Gordon, a personal injury attorney, delves into the intricacies of Personal Injury Protection (PIP) insurance in Florida. He sheds light on why auto insurance companies cover medical treatment, which can be confusing for many clients. PIP is a vital system that Florida implemented approximately 50 years ago, providing up to $10,000 of coverage for medical benefits, potential lost wages, mileage, and other incidental expenses such as prescriptions or medical supplies.

Jim clarifies the original purpose of PIP, emphasizing that it allows individuals to access medical treatment without worrying about fault. However, some clients find it frustrating to have their insurance company pay for treatment when they were not at fault for the accident.

Jim covers crucial aspects of PIP insurance, including the 14-day treatment requirement. He explains why timely treatment is essential, as health insurance won't cover medical expenses until the PIP benefits are exhausted. Additionally, Jim clarifies that PIP insurance cannot claim reimbursement if you receive a settlement, making it a more advantageous option compared to health insurance in certain situations.

Jim also delves into how PIP works in practice, discussing the process of signing an assignment of benefits and how PIP pays 80% of the medical costs, leaving the patient with a 20% balance. He highlights how having an attorney can be beneficial, especially when handling healthcare providers and insurance companies.

Furthermore, Jim addresses common concerns regarding potential rate increases due to PIP usage, reassuring viewers that using PIP is required by law and, therefore, cannot lead to raised insurance rates.

Lastly, the Jim explores scenarios where PIP may not be enough to cover medical expenses. In such cases, Jim explains that health insurance or a letter of protection can be utilized to continue treatment. He emphasizes the significance of involving an attorney in these situations to ensure the medical provider receives their dues and to navigate complex legal processes effectively.

Gain a deeper understanding of Personal Injury Protection insurance and make informed decisions when dealing with medical expenses after an accident in Florida.

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