PIP laws – What does it pay for? What does PIP mean? – by the Florida accident lawyer

As a personal injury lawyer in Boca Raton (also Plantation  injury lawyer , Pompano Beach accident lawyer, Fort Lauderdale accident attorney, Parkland injury lawyer, Tamarac accident lawyer, Lauderhill injury attorney), I get a lot of clients injured in accidents with concerns such as:  how will I get my medical bills paid and what about reimbursement for the time if missed from work.  

Generally, in  Florida, every owner of an operable motor vehicle must have personal injury protection insurance (PIP) and this insurance applies to that owner, to that owners resident relatives who do not own a car and to anyone occupying their car who does not own a car or live with any relatives that own a car.    Generally, PIP coverage pays for 80 percent of your medical bills relating to a car accident and 60 percent of lost wages, both to a total of $10,000.00.   Under laws passed effective January 1, 2008, many medical bills are subject to a fee schedule.  Hospital charges are subject to a 25 percent of usual and customary reduction.  Other ancillary hospital bills (ambulance, ER physician, ER radiologist, etc.) are paid at usual and customary.  Physicians that you see after the hospital are subject to a very specific fee schedule that is tied to the medicare fee schedule.  Essentially, they are paid in general at 200 percent of the medicare fee schedule.   Wages are paid at 60 percent.  A wage verification form is required and a disability note from the treating physician is also needed.   You are allowed to elect a PIP deductible of up to $1,000.00.   You are allowed to elect to reject the wage aspect of a PIP policy to reduce the premiums.   PIP pays these medical bills and wages that are related to a motor vehicle accident.  

If you have been in an accident, please feel free to call the injury lawyer from Boca Raton (also accident attorney from Delray Beach, accident lawyer from Boynton Beach, injury lawyer from North Palm Beach, accident attorney from West Palm Beach, accident lawyer from Loxahatchee, personal injury lawyer from Palm Springs, personal injury attorney from Palm Beach, accident lawyer from Royal Palm Beach, accident attorney from the Acreage) for a free consultation at any of the convenient location in West Palm Beach, Boynton Beach, Boca Raton (principal office), Coral Springs or Miami.  The office works on a contingency fee basis which means that fees and costs are only charged if money is recovered for you.

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