So, do you know how your auto insurance policy coverages work? well in this blog post, I’m going to shed some light about things you should know about personal injury protection and medical payments coverage. These two insurance terms are often referred to as PIP for personal injury protection and Med Pay for medical payments coverage.
What is Personal Injury Protection?
PIP compensates covered individuals when auto accident injuries make everyday life more difficult. So, who is covered under PIP? PIP covers anyone covered under the auto insurance policy which includes relatives, people who live in the policy holder’s household, authorized drivers, and passengers in the vehicle all covered underneath the pip coverage. If a policyholder is injured while riding a bike or using public transportation, they are also covered under a PIP policy. Additionally, if a policy holder is injured as a pedestrian or riding as a passenger in someone else’s vehicle, their own pip coverage will cover the injuries that they sustain during the accident. For instance, if a person is injured as a passenger in a car, PIP coverage can be used from the passenger’s insurance policy in addition to the PIP coverage provided by the driver of the vehicle. The availability of pip coverage that is required in Florida is $10,000. If you carry Med Pay, you may be able to use it to offset some of your out-of-pocket expenses.
What is Med Pay?
Med Pay is not a mandatory coverage. It also does not offer the same benefits offered under the PIP portion of most insurance policies. Med pay is short for medical payments coverage but it doesn’t offer as many benefits as the pip coverage does when your insurance policy so Med pay generally covers medical expenses resulting from an advisor and funeral expenses when someone perishes after an auto accident as well so you ask why would people want bed pants that have been well pip and Med pay are not required to be on your insurance policy in every state here is some information about which states require pip and which states require Med pay generally covers people riding in the insured vehicle or if there are passenger in someone else’s vehicle it covers policy holders and their family members whether they’re on a bike or walking as a pedestrian it covers passengers who are riding in the insured vehicle with someone who is also covered by the policy and those are just some of the basics for or personal injury protection and medical payments coverage.
Contact our Accident Attorney in Miami Today!
Car accidents are a huge issue for drivers in South Florida. If you or a loved one has been injured in a car accident in South Florida due to another driver’s negligence, the car accident attorneys at Suarez & Montero are here to help you get the compensation you rightly deserve. At Suarez & Montero, our team of car accident attorneys in Miami will work with you every step of the way, offering the expert legal guidance you need to win your lawsuit. We will take care of all legal matters that relate to your claim and develop the best legal strategy for your individual case to ensure the successful recovery of your damages. This includes determining the economic and non-economic compensation you’re entitled to, identifying who should be held liable for your injuries and damages. We will not rest until we have developed and presented the most persuasive argument possible, and ensure you receive fair and just compensation for your damages. If you have been injured in a motor vehicle accident, you have the right to file a personal injury lawsuit against any responsible parties. Depending on the situation, the driver, owner, or manufacturer could be liable. Our legal team of Miami car accident lawyers have decades of experience handling car accident cases. With an extensive understanding of the laws involved, we can make sure you’re fully compensated for any medical bills, pain and suffering and other damages you may have experienced. Unlike other firms that handle cases in other areas of law in addition to their personal injury section, our firm is 100% dedicated to helping victims in personal injury cases and has been doing so for over 19 years. If you or someone you love has been involved in an accident, contact us today for a free consultation.
We serve clients throughout Florida including those in the following areas:
Miami-Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead, Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester.
Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston; and Palm Beach County including Boca Raton, Lake Worth, and West Palm Beach.