Personal injury

A Venice auto accident attorney explains what to do if PIP won’t cover your expenses


If you are involved in a car accident in Venice, Florida, you may rely on Personal Injury Protection (PIP) coverage to cover your medical expenses and damages. However, it can be frustrating when your insurance company refuses to pay you the full amount of $10,000 PIP coverage, even if your expenses have already reached that level. The reasons behind this problem and how the experienced auto accident attorneys at Goldman, Babboni, Fernandez, Murphy & Walsh can help you explore other avenues to pursue compensation.

Understanding Florida’s No-Fault Law:

Florida is a no-fault state when it comes to car insurance. This means that no matter who caused the car accident, your insurance company is required to pay compensation to you, the insured person, as long as you maintain the policy. However, it is important to note that auto insurance in Florida will usually only pay a percentage of your actual costs, and will rarely cover full damages.

PIP Coverage Limits:

Under Florida’s no-fault law, Personal Injury Protection (PIP) Coverage is mandatory. PIP coverage is intended to provide immediate medical benefits and loss of wages benefits to policyholders injured in a motor vehicle accident. In most cases, PIP coverage provides up to $10,000 in benefits. However, there are some limitations and exceptions to be aware of:

Coverage limits: While PIP coverage is designed to cover medical expenses and lost wages, it may not fully compensate you for all your losses. The limit is $10,000 It may not be sufficient to cover extensive medical treatments, rehabilitation, or long-term care in critical accidents.

Exceptions: PIP coverage does not compensate for property damage caused as a result of the accident. It is also important to note that if your injuries are not considered a medical emergency, your PIP coverage may only provide up to $2,500 in benefits.

coverage ratio: PIP coverage typically covers 80% of medical expenses and 60% of lost wages, leaving you responsible for the remaining 20% ​​and 40% respectively.

Why your insurance award might fall short:

Due to the limitations of PIP coverage and percentage compensation, it is common for insurance awards to be less than covering the full extent of your damages. This situation can be especially painful when your expenses have already reached the $10,000 threshold, yet your insurance company is not willing to pay the remaining amount.

Seeking additional compensation:

If your insurance company is unwilling to pay the full amount of your PIP coverage, it is important not to take their decision at face value. A consultation with our experienced auto accident attorneys at Goldman, Babboni, Fernandez, Murphy & Walsh can make all the difference in your pursuit of the right compensation. Here’s how they can help:

Explore other methods: Your attorney can investigate the circumstances of the accident to determine if there are other avenues to pursue compensation. This may include filing a claim with the at-fault driver’s insurance company or considering legal action through Personal injury lawsuit.

Personal Injury Claim: If your injuries are serious and the at-fault driver’s insurance coverage is inadequate, your attorney can guide you through the process of filing a personal injury claim for additional damages.

Negotiating with insurance companies: Experienced auto accident attorneys are skilled negotiators. They can defend on your behalf, and make sure that your insurance company fulfills its obligations and covers the maximum possible amount.

Claim Rejection and Delay Tactics:

Insurance companies may use different methods to deny or delay your claim. They may argue that your injuries are not covered by your policy, or they may question the severity of your injuries. In some cases, they may deliberately prolong the claims process, hoping that you will accept a lower settlement out of frustration or financial necessity.

Having an experienced auto accident attorney on your side can counter these tactics effectively. Your attorney will be well versed in insurance companies’ strategies and will know how to build a strong case to support your claim. They can contact the insurance adjusters on your behalf, and provide the necessary evidence and documents to substantiate your claim.

underestimate your claim:

Insurance experts are skilled in evaluating claims and may underestimate injuries and damages. They may underestimate the impact of your injuries, the extent of medical treatment required, or the long-term effects of the accident on your life.

expert Your local auto accident attorney in Venice He or she can accurately assess the value of your claim. They will consider not only your current medical expenses, but also any future medical treatments, lost wages, pain and suffering, and other intangible losses. Your attorney will negotiate with the insurance company to ensure that you receive fair and adequate compensation that truly reflects the full extent of your damages.

Dealing with complex legal processes:

File a personal injury claim Or pursuing a lawsuit may involve complex legal processes, which can be daunting for someone with no legal experience. Insurance companies are well versed in dealing with such cases, and may take advantage of your lack of legal knowledge to pressure you into accepting less compensation.

By hiring the services of an experienced auto accident attorney, you can level the playing field. Your attorney will handle all legal aspects of your case, including gathering evidence, interviewing witnesses, and adhering to court procedures. Their knowledge of personal injury law and their experience with similar cases will be invaluable in building a persuasive argument on your behalf.

Dealing with insurance companies after a car accident can be an uphill battle, especially when your PIP coverage falls short of meeting your medical expenses. Insurance companies may use different tactics to reduce your payments, leaving you struggling to get the compensation you deserve. Having an experienced auto accident attorney by your side can make all the difference in your quest for fair compensation.

They will fight for your rights, navigate the complexities of the claims process, and skillfully negotiate with insurance adjusters to ensure that you receive the full and fair compensation to which you are entitled. in Goldman, Paponi, Fernandez, Murphy WalshOur team of auto accident attorneys is committed to helping you recover physically, emotionally, and financially after a car accident. Contact us today for a free consultation And let us stand up for your rights and best interests.

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Attorney David Goldman serves the gun

David Goldman


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