Changes which were pushed by the insurance industry in Florida have now changed the Personal Injury Protection law to a "use it or lose it" concept. What does this mean for you if you are a driver in Florida, or have Florida "No Fault" insurance. If you are involved in a car accident in Florida after January 1, 2013 and you do not seek medical help within 14 days of the accident, your insurance carrier will not cover your medical bills or lost wages.
Remember Florida is a "No Fault" state which is to mean it is a quasi no fault state since there is no real no fault state. What this means is if you are involved in a car accident in Florida; and you are the registered owner of a vehicle in Florida, you are required to carry Personal Injury Protection insurance. Otherwise known as PIP. Your PIP will pay 80% of your medical bills and 60% of your lost wages. The driver which caused the accident will be responsible for the other 20% and 40% of your economic injuries (medical bills, lost wages, out of pocket expenses).
If you do not seek medical treatment in 14 days after the accident, your PIP carrier will not be obligated to pay any of your medical bills. The issue remains, if you do not go to the doctor in 14 days, will the at fault driver be responsible to pay anything. Most likely not.
Therefore, remember time is of the essence. If you are involved in a car accident in Florida, and even if you are not hurting right away or the day of the accident, it is better to seek medical treatment right away. Better to use than lose it.
Stay tuned or log back in to see more updates on the law changes for car accidents in Florida. If you want to discuss your legal rights, call Mark, and experienced car accident lawyer in the greater Orlando area fighting for your rights. Call today, 407-877-7317.
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