Florida is one of ten states that have personal injury protection (PIP) auto insurance. Also known as no fault insurance, the intention was to provide injured drivers up to $10,000 in immediate medical coverage in lieu of establishing fault through the court system. The $10,000 is designed to cover your own injuries and lost wages resulting from auto accidents, regardless of who is at fault in the accident.
Requirements Under the PIP Law:
What is an Emergency Medical Condition?
Per Florida Statute 395.002(8), an EMC is a medical condition manifesting itself by acute symptoms of sufficient severity, which may include severe pain, such that the absence of immediate medical attention could reasonably be expected to result in any of the following:
Limits and Exclusions of PIP:
As we have touched on, PIP has limits ranging from $2,500 to $10,000. If your losses exceed the limits of your policy or involve non-economic damages, you will have to look outside of your PIP coverage for full and fair compensation. Non-economic damages include:
Kovar Law Group Can Help
If you have PIP questions or need the names of several reputable doctors qualified under the PIP law to conduct the appropriate evaluation to determine if you have an emergency medical condition, Kovar Law Group can help. Call us today.