If you are reading this, chances are you or someone you love has recently been in an accident and you are feeling stressed, confused, and worried about what to do next. We want you to know that you are not alone. These feelings are completely normal after an accident, especially when dealing with something as complicated as insurance claims. At our law firm, we understand what you are going through, and we are here to guide you every step of the way. Getting the right help can make a big difference, and our team is committed to fighting for the best result possible for your case.
Franklin Domenech, Esq.
Attorney - Partner
William Alexander Corzo, Esq.
Attorney - Of Counsel
What is PIP Insurance and Why is it Important in Florida
In Florida, every driver must have Personal Injury Protection insurance, also known as PIP. This type of insurance is very important because it helps cover your medical bills and other losses after a car accident, no matter who caused the crash. Florida is what is called a no-fault state, which means your own insurance pays for your injuries up to a certain amount before anyone talks about who was at fault. PIP insurance can help you get quick medical care without waiting for a long legal fight about blame. Understanding how it works can help you avoid making mistakes that could hurt your claim.
What Does PIP Insurance Cover
PIP insurance covers up to 80 percent of your medical expenses after a car accident. It can also pay for 60 percent of your lost wages if you cannot work because of your injuries. PIP may even help with other things like transportation to your doctor or hiring help at home while you recover. The maximum coverage amount is usually ten thousand dollars unless you have a very serious injury that qualifies for more. It is important to know that you must get medical treatment within fourteen days of your accident, or you could lose your right to PIP benefits.
Who Can Use Your PIP Insurance
PIP insurance is not just for you as the driver. It can also help your children, your household members, and some passengers who do not have their own PIP coverage. If you are riding a bicycle or walking and you get hit by a car, your PIP insurance can still help pay your medical bills. That is why it is so important for everyone in Florida to have PIP insurance. It protects not only you but also the people around you.
Highly recommend victory law firm they've been nothing but great and and very presentable if you want to win a case I definitely I give it 5 stars”
- Yari Yes
Mr. Domenech, Mr. Leon, Miss. Katerina helped me and my family tremendously. They are knowledgeable, professional, laways available and most importantly care about their clients, I would recommend them 100% and more. Endlessly grateful."
- Llubikza Kairuz
Attorney William Corzo did an excellent job in assisting me with my car accident case. He was thorough and professional and the outcome was great- would definitely recommend him."
- Patrick Dollar
Common Problems People Face with PIP Claims
Even though PIP insurance is supposed to make things easier, many people find it confusing. Insurance companies may try to delay or deny payments. They may claim your injuries are not serious or that you did not get medical care fast enough. Sometimes they say the treatment you need is not related to the accident. These problems can leave you with unpaid medical bills and a lot of stress. Having a skilled attorney on your side can help make sure you get the full benefits you deserve.
What to Do Right After an Accident to Protect Your PIP Benefits
After an accident, it is very important to take the right steps to protect your PIP claim. First, get medical help right away, even if you think you are not badly hurt. Some injuries take time to show up. Getting checked out quickly by a doctor can protect both your health and your insurance rights. Next, report the accident to your insurance company as soon as possible. Give them basic information but be careful about giving detailed statements without talking to a lawyer first. Keep copies of all medical bills, doctor notes, and any other paperwork related to your accident.
Can You Still Sue Someone Even If You Have PIP Insurance
Yes, you can still sue the person who caused your accident if your injuries are very serious. PIP covers only a portion of your medical costs and lost wages. If you have major injuries like broken bones, permanent scars, or lasting disabilities, you may be able to go after the other driver for the full amount of your losses. This is called stepping outside the no-fault system. An experienced lawyer can help you figure out if you have the right to file a lawsuit and what kinds of damages you can ask for.
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How Long Do You Have to Make a PIP Claim in Florida
Florida law says you must get medical treatment within fourteen days of the accident to use your PIP benefits. But that is not the only deadline you should worry about. Insurance companies may have their own time limits for filing claims and sending in paperwork. If you miss a deadline, you could lose your benefits. It is also important to know that Florida has a two-year time limit for filing lawsuits related to accidents, called the statute of limitations. That is why it is so important to act quickly and get help if you are hurt.
How Can an Attorney Help with a PIP Claim
Handling a PIP claim can get complicated very fast. An attorney can make sure your paperwork is done right and on time. They can fight back if the insurance company tries to deny your benefits or offer you less money than you deserve. If your injuries are serious, your lawyer can help you build a strong case to get extra compensation beyond PIP. Having someone on your side who knows the law and knows how insurance companies work can take a big load off your shoulders so you can focus on getting better.
What Happens If the Insurance Company Sends You to Their Doctor
Sometimes, your insurance company may ask you to see a doctor they choose. This is called an Independent Medical Examination, or IME. It sounds fair, but the truth is these doctors often work for the insurance companies and may try to say you are not really hurt or do not need more treatment. If you are asked to go to an IME, it is very important to talk to an attorney first. Your lawyer can help you prepare and make sure your rights are protected.
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Is It Worth Hiring a Lawyer for a PIP Claim
Many people wonder if they need a lawyer for a PIP claim. If your injuries are minor and your bills are low, you may be able to handle it on your own. But if your injuries are serious, your bills are high, or the insurance company gives you trouble, hiring a lawyer can make a big difference. A lawyer can help you get the money you need for your medical care, your lost income, and your pain and suffering. They can also handle the tough conversations with the insurance company so you do not have to.
How Victory Law Firm PA Can Help You Navigate Your PIP Claim
If you have been in an accident and are feeling overwhelmed, you do not have to face this battle alone. At Victory Law Firm PA, we understand how confusing and stressful this time can be for you and your family. We have helped many people just like you get the money they need to heal and move forward. We are ready to stand by your side, fight for your rights, and make sure you are treated fairly by the insurance companies.
Call us today for a free consultation. Let us help you take the first step toward peace of mind and a successful case outcome. We are here for you when you need it most.