Hurt in a Truck Accident in South Florida? What to Know About Your Personal Injury Protection (PIP) Coverage
In Florida, all motorists are required to carry Personal Injury Protection (PIP) coverage. After an accident, your initial claim is generally through your own (no-fault) PIP policy. This is true for the full range of motor vehicle collisions, including commercial truck accidents. It is crucial that you understand how to navigate these cases. At Pike & Lustig, LLP, we hold insurers accountable. Here, our Miami semi-truck accident attorney provides an in-depth guide to PIP coverage.
An Overview of Personal Injury Protection (PIP) Coverage in Florida
As explained by the Florida Highway Safety and Motor Vehicles (FLHSMV), our state operates under a no-fault insurance standard. More specifically, the law requires all motorists to obtain Personal Injury Protection (PIP) insurance. PIP is a type of no-fault coverage. PIP covers an injured victim’s initial medical expenses and lost wages after a crash. In Florida, all motorists must have a minimum of $10,000 in PIP. Though, you can certainly obtain a more comprehensive policy with higher limits.
Your PIP Claim Comes First After a Semi-Truck Accident
Were you involved in a commercial trucking accident in South Florida? Your initial claim will be your PIP claim. Remember, PIP coverage is no-fault insurance. You can (and should) bring a claim through your PIP insurer regardless of who was to blame for a trucking accident. Knowing how to access your PIP benefits can help to make the recovery process less challenging. Still, a truck accident in South Florida should be thoroughly investigated by an experienced attorney.
Claims Tip: Even though your PIP provider is your own insurance company, it is still crucial that you take a careful approach. Unfortunately, large insurance companies want to pay out as little as possible in settlement. Your own insurance company is not on your side.
You Can Go Beyond Your Own No-Fault Insurance After a Serious Truck Accident
Florida’s no-fault insurance standard applies to minor and moderate crashes, including semi-truck accidents. For a person who suffered a serious injury in a collision, they have the right to step beyond the standard no-fault system and file a lawsuit directly against any negligent parties. In Florida, a “serious” injury is broadly defined as one that is permanent, causes significant scarring, or results in the loss of a bodily function. A top-tier Florida truck accident lawyer can help you understand if you have a viable fault-based claim and take action to hold the negligent truck driver or trucking company accountable for your damages.
We are Proud to Fight for the Rights of Truck Accident Victims All Across South Florida
At Pike & Lustig, LLP, our Miami semi-truck crash lawyer has extensive experience handling PIP cases. Hurt in a commercial truck crash? We can help you navigate all aspects of your claim, including your PIP insurance coverage. Contact us now for a free, no obligation consultation. Our firm fights for tractor trailer accident victims throughout all of Southeast Florida.
Source:
flhsmv.gov/insurance/#:~:text=Language%20%7C%20Idioma-,General%20Information,insurance%20certificate%20issued%20by%20FLHSMV.
