I think one of the most common questions we get after a crash is “what do you mean my insurance is going to pay for my medical bills.” This doesn’t seem to sit well with people because they are thinking if the other person was at fault why isn’t their insurance paying for it.
You can look back at the legislature and years ago they made the decision that Florida would become a No Fault state and the theory behind this is that we all are required to insure with No Fault. The words No Fault Insurance and PIP (Personal Injury Protection) are often used interchangeably when talking about this topic. What it really refers to is the $10,000 of medical benefits that’s available on every person’s vehicle that’s registered in Florida. Everyone is required to have this PIP/No Fault Insurance. And this insurance applies to any situation involving a vehicle.
There are a lot of rules about PIP that I don’t want to go into here but just bear in mind that acupuncture, for instance, is no longer covered by PIP and there are limitations on chiropractic treatments in certain situations. There are also time limits that you have to see a physician within 14 days of the accident in order to qualify for PIP. So, there are some things that you need to understand to make sure that the No Fault Insurance is available for you.
The big advantage of PIP quite frankly, is that everyone has this insurance available to them. So, you can go to any doctor of your choice. Give them the PIP claim number and they are going to bill your auto insurance company. And, there is a quite good reimbursement rate for these physicians.
Bear in mind also that unlike health insurance when your case settles you don’t have to reimburse your insurance company for these PIP benefits. This is a contract benefit that you have with them. There are a lot of great advantages to to these insurance benefits but just make sure you understand it and make sure your lawyer understands it so that you can use it to your best advantage.