PIP and PD Basics by Miami Car Accident Lawyer

LAWYER IN MIAMI INFORMS ABOUT PIP (PERSONAL INJURY PROTECTION) AND PD (PROPERTY DAMAGE)

In Miami, the Perazzo Law Firms informs Florida residents that Personal Injury Protection (PIP) and Property Damage (PD) insurance are mandatory for registered vehicle owners and operators. Unfortunately, PIP insurance is an extremely complicated vehicle accident insurance policy, especially after an accident that causes injuries or property damage and in the context of a lawsuit leading to a personal injury claim. It is crucial for Florida motorists to understand the basics behind PIP insurance and how it covers the medical expenses of the vehicle owner and individuals listed on the policy, as well as any family members residing in the same households and potentially any passengers in the vehicle who do not have their own coverage under the law.

Understanding PIP Insurance in Florida

In Florida, PIP became mandatory because most accidents would result in less than $10,000 in damages or injuries. Therefore, PIP aims to address the issue of unpaid medical bills, people suffering reduced credit scores, and accident victims fearing the lack of accident treatment and claims. Since PIP is mandatory for all Florida motorists or registered vehicle owners, medical treatment at a healthcare facility will be covered by the insurance company, which must be notified of the accident to proceed accordingly after a collision.

Contact a Miami Car Accident Lawyer to learn more on Car Accident Insurance Claims for Compensation.

In this case, the injured party will visit their doctor and sign a benefits assignment granting the doctor the right to bill the insurance provider directly on their behalf. Additionally, individuals who have suffered personal injuries as a result of an accident in Miami may choose to file their own PIP treatment coverage claims. PIP provides accident victims with the legal right to visit a doctor for treatment, regardless of whether they have health insurance. Furthermore, PIP allows seeking medical treatment regardless of who was at fault in the accident, and PIP pays up to $2,500, subject to a deductible and co-payment, unless there is a medical emergency condition allowing $10,000 for injuries or lost wages.

Recommendations for Supplementing PIP with Additional Insurance Policies

Perazzo Law strongly recommends that those who can afford it supplement PIP with other insurance policies, such as uninsured or underinsured motorist coverage. After an accident in Miami or in the city or suburb of Florida, additional insurance coverage policies will help protect against medical costs for the treatment of severe personal injuries or even wrongful death of third parties.

If you, a friend, or a relative has had an accident resulting in personal injuries or damages, one of our personal injury litigation or insurance claims lawyers in Miami can provide all the correct answers to any questions related to PIP and PD insurance coverage. The Miami car accident lawyers at the Perazzo Law Firm offer a FREE initial consultation and ZERO OUT-OF-POCKET COSTS to clients seeking compensation for injuries or damages from an insurance claim after an accident. Learn more about PIP and PD by visiting the Perazzo Law firm’s page.

Striving to be the best car accident lawyer in Miami, Jonathan Perazzo, personal injury attorney in Miami and founder of the Perazzo Law Firm, understands that the moments after a car accident that leads to injury, can be daunting for car accident victims. That is why, it is fundamentally important to contact a trusted and dedicated Miami car accident lawyer following an accident.