On every Florida automobile insurance policies is a benefit called PIP or personal injury protection. Your own insurance company will pay 80% up to $10,000.00 of your medical treatment, which is related to your accident. To be eligible for these benefits however, you MUST receive medical treatment within 14 days of your accident. Otherwise, your insurance company could deny you these vital PIP benefits.
Some insurance companies will require you to provide a medical record indicating you suffered an “emergency medical condition” as a result of the accident. Your treating doctor can provide this documentation upon request. If this cannot be provided, your insurance company will only provide you with $2,500.00 in PIP benefits. Luckily, there is currently no time frame in which you must provide an emergency medical condition record to your insurance company. It could be a year after your accident when this is provided and you will then be eligible for the full $10,000.00 in PIP benefits.
Even if you do not seek an attorney in your case, please make sure that you get treatment within the 14 day window to preserve your PIP benefits.
If you have any questions about Florida PIP benefits, please do not hesitate to contact us.