Most, if not all, Florida drivers are familiar with this State's requirement that each vehicle owner carry $10,000.00 of personal injury protection coverage (PIP). Essentially this is $10,000.00 of medical and loss wage insurance. This form of insurance coverage applies no matter who is at fault in the accident and may cover others within the drivers household, children, and passengers in the vehicle who do not own a vehicle and have no PIP coverage. PIP insurance benefits are available if you are involved in an accident in another person's vehicle, as a pedestrian, or on a bicycle.
Also known as Florida's Motor Vehicle No-Fault Law , PIP insurance requirements are imposed on all owner/registrants of a motor vehicle with 4 wheels. In order to maintain legal licensing and registration, these vehicle owners must carry $10,000.00 policy limits of this coverage.
Florida law makers have recently approved a bill reforming the current law. The new version of the PIP law continues to require $10,000 in minimum coverage, but this can only be used by those who are seriously injured in a motor accident. The legislature has limited coverage in what it defines as moderate or "soft-tissue" damages to $2,500.
The new law allows victims up to fourteen days after the accident to seek medical treatment in order to receive PIP benefits. It also allows insurance companies to examine accident victims under oath. The law limits treatment with chiropractic care by only allowing coverage for treatment if referred. Although the change still permits chiropractic care, it does not cover acupuncture or massage therapy.
This personal injury lawyer in Miami believes these changes will cause greater harm than good for the drivers in Florida. By limiting benefits, it only causes greater losses to those injured in an auto accident. With the significant costs of medical care, the limits imposed by this change will leave many unprotected and without the ability to receive needed care and medical attention to their injuries. Simple diagnostic testing, including x-rays and cat scans will surely "eat away" at the available coverage for many. This will. leave very little or no coverage available for actual care of the injuries. By excluding various forms of therapy, this new act also leaves the injured party without access to forms of medical care that, in our office's experience, have proven beneficial for injuries. The exact benefit of this reform to the injured remains unclear.
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