North Port Injury Lawyer, James Keim
No Fees or Costs Unless You Win.

5900 Pan American Boulevard, Suite 104 - North Port, Florida

Florida is a “no-fault” automobile insurance state.  If you are injured in an accident, any medical bills are first submitted to your own insurance carrier regardless of who is at fault for causing the collision. Each registered owner of an automobile in this state is required to purchase and maintain a policy of “no-fault” insurance commonly known as personal injury protection (PIP) coverage.  This no-fault coverage will generally pay 80% of any medical bills incurred and 60% of any wage loss up to a maximum of $10,000.00 if you are injured in an auto accident.  In order to save money, many people select a $2,000.00 deductible on their PIP policy.  This is generally a bad idea because the amount of money saved is negligible, and in the event you are seriously injured in an accident, you will likely need the full limits of coverage.  No-fault PIP coverage is primary coverage, meaning that this automobile insurance stands first in line to pay your medical bills regardless of whether the other driver was at fault and regardless of whether you have health insurance coverage or receive Medicare or Medicaid benefits.  Some insurance carriers will allow you to purchase additional amounts of PIP coverage, over the $10,000.00 limits, at a nominal cost.  Additionally, coverage known as “Medical Payments” or “Med-Pay” is available and may be added to a policy.  Med-Pay coverage is useful to pay the 20% of medical bills that PIP does not cover and to cover medical expenses that exceed the $10,000.00 basic limit of PIP.  You may wonder whether the insurance company for the driver who is at fault will pay for your medical bills to the extent that they are not covered by PIP or Med-Pay under that driver’s bodily injury insurance coverage.  The reality is that many drivers in Florida maintain no bodily injury coverage whatsoever.  Or, you may find yourself in a situation where the at-fault driver’s insurance policy has lapsed because they have failed to pay their premiums.  These are all too common circumstances over which you will have no control.  What you can do before an accident occurs, however, is arm yourself with sufficient automobile insurance coverage to protect yourself and your finances.  A serious collision may result in a hospitalization, surgery, and subsequent rehabilitation with a total cost running into the tens of thousands of dollars.  Therefore, you should buy as much PIP and Med-Pay coverage as you can afford, as well as uninsured motorist coverage – an extremely important form of auto insurance that will be discussed in the next post on this topic.