Should i get personal injury protection

PIP does not have agreed-upon fee schedules to manage the cost of treatment or the treatments prescribed, as traditional health insurance would. Unlike health insurance, PIP coverage does have a window in which it must be used. Under the Florida PIP statute, initial care must occur within the first 14 days after the accident. T his does not mean all treatment must occur in the first 14 days. It means that in order to claim PIP coverage, a victim must have their initial assessment within 14 days of the accident, whether it be by emergency personnel, a hospital, or even their family doctor.

Typically, victims are taken to, or visit, the hospital immediately following an accident, so this is usually not a worry. A: Following an auto accident, you can visit any type of licensed medical practitioner you prefer. After you choose your initial care provider, he or she may refer you to specialists, or for certain types of care. The amended Florida PIP statute does not allow massage therapists or acupuncturists to bill PIP for medical services rendered, even if a medical doctor is overseeing such services.

A: Yes. Initial care and services may be supervised, ordered, or prescribed by an M. A: No. A: PIP benefits may not cover accidents involving farm equipment, recreational vehicles, mopeds, and motorcycles. Likewise, PIP benefits will not cover costs for massage therapists or acupuncturists. A: Like a credit card, your PIP coverage does have a limit. If you live in a no fault state, you are not permitted to make a claim against the at-fault driver unless your medical bills reach a certain dollar amount, or your injury is deemed sufficiently serious according to the statutory definition in your state.

Stepping outside of the state's no-fault system after meeting one or both of these thresholds means you can make a claim directly against the at-fault driver for your out-of-pocket losses. It also means you can seek compensation for non-economic losses like " pain and suffering.

Learn more about calculating pain and suffering after a car accident. All states require policyholders to cooperate with their own insurance company when making PIP claims. That means responding in a timely manner to requests for information, and being truthful about the nature and extent of your injuries. It also means that the usual rules for dealing with the other side's potentially adversarial insurance company don't apply to a PIP claim.

In most car accident cases, you do not want to give a recorded statement to the other driver's insurance company, and you might want to fight any request that you attend an independent medical examination with a physician selected by the other driver's insurance company.

But you could be required to comply with requests like these when you're making a PIP claim with your own insurance company. Learn more about contacting your insurance company after a car accident , and when it might make sense to get an attorney's help with a car accident case. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site.

The attorney listings on this site are paid attorney advertising. Amy Danise. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. PIP in Your State. PIP is optional in Washington, D. You can sue another driver if you have one of these serious injuries: Significant disfigurement. Bone fracture. Permanent limitation of use of a body organ or member. Significant limitation of use of a body function or system.

Substantially full disability for 90 days. A fracture to a weight-bearing bone. A compound, comminuted, displaced or compressed fracture. Loss of a body part. Permanent injury. Permanent loss of a bodily function. Michigan drivers will have a choice of: The unlimited medical benefits that have been offered previously. A new managed care option for medical benefits.

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