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Florida Makes Major Changes to Required Automobile PIP Insurance

During the 2012 legislative session the Florida Legislature passed major changes to Florida’s No-Fault Insurance which provides Personal Injury Protection benefits and is also known as PIP. These changes were approved by Governor Rick Scott and became law.

While it is unknown what all the effects the change in the PIP law will have on Florida’s motorists there are numerous provisions in the new law that you should be aware of:

  • PIP Insurance remains mandatory insurance for all people who have a vehicle registered in the State of Florida. It is this PIP or “no-fault insurance” that is used to cover certain medical expenses and lost wages to people who are injured in car crashes regardless of fault.
  • The “limits” or most these insurance policies will pay out is $10,000.00 in total for medical care and lost wages and $5,000.00 in death benefits.
  • Medical tratment is paid at 80% of the amount billed. Lost Wages or Disability Benefits are paid at 60% of the lost wages for documented time missed from work as a result of injuries sustained in the car crash.
  • If there are more than $10,000.00 in medical expenses and lost wages those expenses would be considered damages in your case against the person who caused the accident or “at-fault” party. This of course assumes that you were not the one at fault in the car crash.
  • The new PIP law will not provide any medical benefits unless the injured person “receives initial services and care within 14 days after the motor vehicle accident.” If the injury victims does not receive medical treatment within 14 days after the accident they’re not entitled to medical benefits under the new PIP law.
  • The “initial services” are defined as medical treatment from a hospital, physician, chiropractic physician, dentist or emergency transportation and treatment.”
  • Medical Benefits are now limited to $2,500.00 unless a medical provider determines that the injured person has a “emergency medical condition” which is defined as: a medical condition that includes 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: (a) Serious jeopardy to the injury victim’s health; (b) Serious impairment to bodily functions; (c) Serious dysfunction to any bodily organ or part.
  • Medical Benefits no longer include massage therapy or accupuncture treatments that were recoverable under prior PIP laws.

Written by: James D. Payer

James D. Payer is a Miami injury attorney with offices in Plantation, as well as Miami, who represents injury victims involved in serious automobile accidents, motorcycle accidents, boating accidents, construction accidents, premises accidents and work accidents. For a free consultation with James D. Payer call today.

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