What is going on with PIP in Florida?
There are many people in Florida who drive their own vehicles. There are many rules that drivers must follow. Many of these rules involve the actual driving of the vehicle such as speed limits, stop signs, signaling turns and other aspects of driving the car. There are other rules about making sure the vehicle is in good repair such as having working headlights and taillights. Another rule that drivers must follow is that they must have insurance for their vehicle.
Part of the insurance that people have for their vehicles includes what is known as personal injury protection (PIP). This is mandatory as Florida is a no-fault state for car accidents. Basically, the way that PIP works is that if a vehicle is damaged or the people involved in the accident were injured, regardless of fault, one’s own insurance will pay for the damages. However, the minimum PIP limits are only $10,000, which can be spent very quickly. Especially when there are significant injuries, that is not enough and the victims need to seek compensation from other places.
Proposed changes to PIP laws
Recently there was a bill introduced to change the PIP laws though. Under the proposed law, there still would have been a minimum requirement that people have coverage for at least $10,000 for property damage. It added that drivers also need to have minimum coverage of $25,000 per person and $50,000 per accident for injuries. There were other aspects of the law as well, but that would have been the most significant change. The law was ultimately vetoed though. So, for now the PIP requirements remain the same.
There are many motor vehicle accidents in Florida each year. These accidents can be very costly for the victims who may suffer significant injuries requiring significant medical treatment. The medical bills can add up quickly. People also may not be able to work while they are recovering and lose income as well. Given the current situation with the PIP laws, the victims may need to seek compensation from the driver who cause the accident. Experienced attorneys, who may be able to guide one through the process, understand the insurance laws and how to deal with insurance companies.