What is PIP Coverage?
This article was first published November 5th, 2010. Some of the laws may have changed since this that date.
The state of Florida is what is known as a “no fault” state for automobile accidents. This means if you are in an auto accident in Florida, regardless of who is at fault for the collision, you look to your own automobile insurer to pay a portion of your medical expenses and wage loss under your PIP (Personal Injury Protection) coverage for any injuries you received in the accident. This coverage protects you against losses you sustain as a result of personal injuries from an automobile accident and pays 80% of reasonable, necessary and related medical expenses, as well as 60% of your gross wage loss resulting from your accident related injuries.
A standard PIP is limited to 10,000 in coverage; that covers medical expenses, wage loss and mileage costs for transportation to and from doctor appointments. You can also elect a deductible of up to 1,000 under your PIP coverage, which means you would be self-insured for the deductible amount as you would have to cover this amount out of your own pocket before your PIP coverage would start paying. After an automobile accident, in order to be eligible for your PIP benefits, your automobile insurer needs to be put on notice of the accident. This means you need to call your insurer and tell them about the accident so they can open a claims file on your behalf. You will need to complete a PIP application regarding your injuries, any medical providers you are treating with, how the accident happened and information about your employer. This includes authorizations for your PIP insurer to obtain medical records and bills, as well as employment confirmation before they are legally obligated to pay 80% of your accident related medical expenses and 60% of your gross wage loss.
Unlike some health insurance plans under PIP you are free to choose treatment with any medical provider whether it’s an M.D. ( Doctor of Medicine ), D.O. ( Doctor of Osteopathy ), D.C. ( Doctor of Chiropractor ), P.T . ( Physical Therapist ), L.M.T. ( Licensed Massage Therapist ) or other medical specialist.
If you have been in an automobile accident and have any questions regarding your PIP benefits please call The Umansky Law Firm at 407-228-3838.
Recent Criminal
Case Results
Burglary of Dwelling; Petit Theft
Withhold with 6 months probation and impulse control; adjudication withheld
Grand Theft ($300-$5000)
Nolle Prosequi-Case Dropped
CT-Driving Under the Influence Car (M1)
Nolle Prosequi - Case Dropped
CT- Driving under the influence car
Nolle Prosequi - Case Dropped
Grand Theft Third Degree
Adjudicated Guilty; One day jail/one day time serve; Restitution fees; Court Cost
Petit Theft < 300
We negotiated an agreement that entailed the State dropping the charge after our client completed a Pre-Trial Diversion Program. The Charge was dropped via a Nolle Prosequi.
Unlawful Speeding
Withhold of Adjudication; No points on license; Paid fine and clerk cost; 8 hour aggressive driver class; 90 days to satisfy fine and class
Shoot/Throw Missile Into Dwell/Struct/Veh; Child Abuse; Criminal Mischief; Battery (Domestic Violence)
No Information Notice - Charges Dropped
Attach Tag/Lic Plate To Unassigned Vehicle (M2)
Nolle Prosequi - Case Dropped
DUI with Minor In Car or BAL of .20 or Higher
Pled No Contest, 1 Year Probation, 10 day Car Impound, Community Service
Motion to Modify Probation
Motion Granted in 48 hours
Petit Theft
Adjudication Withheld, 4 Months probation, Costs/Fines, Impulse Control Class
Petit Theft of $100 or MORE (M1)
Nolle Prosequi
Refuse To Submit To DUI Test (M1)
Case Dropped
Battery on Law Enforcement Officer (F3); Disorderly Conduct (M2)
Nolle Prosequi - Case Dropped
Battery
Charges Dropped
Scheme to Defraud(F3); Grand Theft(F3)
Motion to Terminate Probation Granted
Unlawful Speed
Dismissed
Failed to Yield at Intersection
Not Guilty
Leave Scene Of A Crash W/Property Damage (M2)
Case Dropped
Motion to Modify and Impose a Withhold of Adjudication
Granted
Attempted Burglary of a Conveyance
Charges dropped
Possession of Cannabis (less than 20 grams)
Charges dropped
VOP for DUI
Reduced to reckless driving
Possession of Alcohol Under the Age of 21
Charges dropped
Driving Under the Influence
Reduced to Reckless Driving
Violation of Probation
Case Dismissed
Recent Personal
Injury Settlements
$1,600,000
Sexual Assault Victim
$1,600,000
Car Accident
$290,000
Motorcycle Accident
$200,000
Trip and Fall
$150,000
Car Accident
$110,000
Car Accident
$100,000
Car Accident
$290,000
Car Accident
$120,000
Car Accident
$100,000
Car Accident
$125,000
Car Accident
$125,000
Scooter Accident
$275,000
Car Accident
$100,000
Car Accident
$300,000
Government Liability Case
$100,000