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Whether you grew up in Florida or moved down here from somewhere else, chances are you don't understand what that PIP coverage on your policy stands for. As Tampa car accident attorneys, we advise all our clients to learn what your policy coverages really mean, and PIP is a great example of this.
Personal Injury Protection, referred to as PIP, is an insurance coverage required by Florida on every policy. It is a coverage that applies to only you and your passengers in the event of injury, no matter whose fault the car accident is. For example, if you are rear-ended, it is probably the other driver's fault. However, if you're injured, your insurance will pay out under your PIP coverage first before going after the other person's coverage.
It can be confusing for many people. After all, if it's the other parties' fault, shouldn't they be the ones to pay? But PIP is required by state law to help reduce insurance fraud and also speed up the process by which victims can be compensated for their injuries.
Hiring a personal injury attorney near me is always a good idea if you've experienced a serious injury, but this is especially true in a PIP state like Florida. In cases of serious injury, there is a good chance that you will exceed your own PIP coverage and need to take the other insurance company to court. A personal injury lawyer St. Pete or Tampa can also make sure you meet the required deadlines for claims, which can be very tight. And they'll take over the legal process, giving you time and space to heal.
At Coleman Law Group, we're experienced Tampa accident attorney who understand this state's laws backward and forward. Call us today to set up a free case evaluation with one of our experienced personal injury lawyers and find out the value of your claim.
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