Florida is a No-Fault state. This means that regardless of fault, your insurance company will assist in the payment of your medical bills. Many people ask why is my insurance company paying my medical bills when the other person is at fault? It is because Florida wants people to be able to receive medical treatment if they are injured in an automobile accident, regardless of fault.

PIP coverage is mandatory in Florida and, subject to some exceptions, pays for 80% of medical expenses related to an auto accident and 60% of lost wages up to a limit of $10,000.00 per accident. This coverage will also pay $5000 for funeral expenses. You may also choose a deductible on your PIP coverage which will need to be satisfied before your insurance company begins paying your medical bills.

PIP coverages vary according to the factors you specify. For example, with PIP coverage drivers are asked to choose whether they would like to exclude persons listed on the policy from receiving lost wages protection. If this coverage is declined, your Florida auto insurance premium will be lower, but the person on the policy will not be able to recover wages in the event that an auto accident injury prevents them from working.

If you were involved in an automobile accident and you need assistant with your insurance company please contact the law offices of Reeder & Nussbaum, P.A.