What Does PIP Insurance Cover in Florida?

Drivers in Florida are required to carry a minimum of $10,000 in personal injury protection, or PIP, to ensure their medical bills are paid after an accident, regardless of who is deemed at fault. However, many people are unaware of exactly what PIP insurance coverage in Jacksonville actually means. There are certain guidelines regarding what will be paid to the medical provider in the event an individual is injured in an accident and treated.

Minor Injuries

In most cases, the injuries sustained in an accident will be relatively minor. In these instances, the amount of money allowed is capped at $2,500. As a medical provider, just like with any other type of insurance coverage, PIP insurance coverage in Jacksonville will require you to bill the services at a reduced rate. However, this rate is 200 percent higher than Medicare payments. It’s important for these treatments to begin within 14 days of the accident to ensure proper coverage. There is often a deductible with PIP that will either need to be paid by a health insurance provider or the patient.

Emergency Medical Condition

More serious injuries sustained in an accident may be qualified as an emergency medical condition, which means the cap for PIP insurance coverage in Jacksonville will be increased to $10,000, though the same reduced rate requirements do apply. While treatment must be initialized within the same 14 day period, your treatment of an emergency medical condition does not have to be completed within the same timeframe, ensuring payment outside of the first 14 days for care provided.

PIP insurance coverage in Jacksonville is designed to help car accident victims pay their medical bills, regardless of who is at fault. With a minimum requirement to go after the at-fault driver for medical bills, it is essential to understand how this type of insurance can help get you paid for the care you provide.

Are you trying to recover payments for medical services rendered after an auto accident? Contact Shuster & Saben to learn more about PIP insurance coverage in Jacksonville and how to recover your money.

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