In the state of Florida, it is required that all licensed drivers have personal injury protection, or PIP, insurance. This means that Florida is in the minority of states (only 15 in all and the District of Columbia) that use the system over the more common liability insurance system.
Due to the fact that PIP insurance systems aren’t as common as the liability systems, the majority of people don’t fully understand how they work.
Surprising information you may not know about PIP insurance can be found here.
PIP Insurance Will Pay No Matter Who’s at Fault
Typically, determining who is at fault determines who will pay for an accident. The majority of states use a liability insurance system that uses this guideline. With these insurance systems, the insurance company of driver who is considered at fault for the accident will pay for any of the other person’s losses.
With PIP insurance, this is not the case. This is a type of insurance that is going to pay for the policyholder’s medical costs after an accident occurs, regardless of who is considered at fault. This is referred to “no-fault” insurance.
It Pays for the Medical Expenses of the Insured Driver
PIP insurance is mainly used for covering damages that occur because of the personal injuries to the person who is insured. This includes funeral expenses, lost wages and medical costs. In Florida, PIP insurance is typically purchased as part of a package of coverage, which also includes property damage liability. In Florida, the minimum insurance requirements include:
- Property Damage Liability of $10,000
- Personal Injury Protection of $10,000
With this system in place, each of the driver’s PIP coverage will pay for their physical injuries and the at-fault driver’s PDL – property damage liability – coverage is going to pay for damage to the non-at-fault driver’s vehicle.
It Limits Personal Injury Suits between Drivers
Due to the fact that PIP insurance covers the insured person with no regard to fault, there is a limit to what drivers in Florida who are covered with PIP insurance can sue one another for with regard to their personal injuries. If the total cost of injuries a person suffers is less than what their policy limits are, they will not be allowed to sue the at-fault driver for other damages, such as inconvenience, mental anguish or pain and suffering, unless the injuries are thought of as being “permanent”. A permanent injury is one that:
- Results in a permanent or significant loss of an essential bodily function
- Results in a permanent injury along with a reasonable level of medical probability
- Permanent or significant disfigurement or scarring
Contact an Attorney for Help
If you are involved in an accident and unsure of who is liable for what costs, you can contact an attorney for help. They can review the facts of your case to help make sure your rights are protected. Learn more about having your injuries and damages covered after an accident by contacting the attorneys at Hardesty, Tyde, Green & Ashton, P.A. by calling (904) 398-2212.