So, you have been injured in a car accident, and now you’re stuck figuring out how to pay for your medical treatment, property damage, and injury/physical therapy expenses. You are doing all of this while trying to rest, manage your pain, and focus on your recovery. You’re also possibly dealing with lost wages from being unable to work.
Carrying Personal Injury Protection (PIP) Coverage on your auto policy might mean crossing some of that financial stress off your list.
How PIP Coverage Works
PIP coverage is a type of insurance that covers injuries to you (the driver), your passengers, and any other approved drivers on your car insurance policy. More than covering the medical expenses related to injuries, it can sometimes even cover lost wages if you are out of work due to the accident. In many states (like Florida), PIP coverage is considered “no-fault” insurance, which means that it will cover your expenses even if you are at fault for the accident. It is important to file a PIP insurance claim as soon as possible after your accident.
The specific coverage varies depending on the state, but in addition to medical expenses and lost wages, PIP coverage will, in some cases, pay for funeral expenses, child care expenses, and the income lost by a household.
How Does PIP Work in Florida?
Florida is a “no-fault” state regarding PIP coverage, meaning that you can file a claim regardless of who is at fault for the accident. In fact, the state of Florida requires anyone with an auto insurance policy to carry at least $10,000 of PIP coverage. Florida PIP coverage pays for medical expenses and lost wages up to $10,000 depending on the severity of the injuries. It will also pay for funeral expenses if the policyholder has been killed in the accident.
One major caveat of filing a PIP claim in the state of Florida is that you are required to receive medical treatment within a specific period of time following the injury. If you wait too long to seek treatment for your injuries, your claim will most likely be denied.
It is often recommended to purchase more than the recommended $10,000 of PIP coverage for two reasons.
- In many cases, the cost of medical treatment required when one is injured far exceeds the $10,000 minimal amount required in the state of Florida. That means the out of pocket expense for the injured – once that $10,000 is exhausted – could be thousands of dollars more.
- The cost to increase the PIP coverage by several thousand dollars on your insurance policy is quite inexpensive. In most cases, it is less than $10/month!
How Does PIP Apply to Physical Therapy?
In most cases, the PIP coverage will pay for physical therapy, but the sooner you file your claim, the better. If you miss your deadline for filing a claim, you could find yourself paying out of pocket for your treatment.
A huge advantage to coming to Physical Therapy Now for your treatment is that we work with you AND your insurance company so you can focus on your physical recovery. We cannot guarantee that your insurance company will approve your claim, but we will do our best to assist you with your claim.
PIP Coverage and Miami Physical Therapy
If you have been in a car accident where you suffered injuries and are in need of physical therapy treatment, contact Physical Therapy Now in Miami to schedule your first appointment and get the ball rolling on a treatment plan so you can get back to normal as soon as possible. Call us at 800-481-4582 to start your journey toward recovery today.