When you’re injured in a car accident, you need compensation for your injuries. This is where personal injury protection insurance comes in. When you have PIP insurance in Miami, you can be sure you will be entitled up to $10,000 in payment for your injuries so you can cover your medical bills. Unfortunately, many people are still unfamiliar with this type of insurance, meaning they don’t take advantage of it when they are entitled to.
What Is PIP Insurance?
With your typical auto insurance, the driver at fault is typically liable for injuries sustained to the other drivers and passengers involved. However, PIP insurance in Miami works differently. This type of insurance is a no-fault coverage, meaning there is no need to assign blame prior to paying out benefits. This allows all drivers and passengers to get coverage for medical expenses, lost wages and other expenses associated with the accident. This type of insurance only covers individuals in the policyholder’s car.
Filing a Claim
If you have PIP insurance in Miami, you will be able to file a claim if you are involved in an auto accident and are injured. This type of insurance is most beneficial for those who don’t have health coverage or may not have enough to cover all of your costs. While a PIP claim is relatively easy, it may still become necessary to hire a lawyer to help, especially if your claim is denied or delayed for any reason.
Most people think their health insurance or auto insurance is all they need to pay their expenses. It’s also easy to fall into the trap of thinking the other party’s insurance will cover it. However, in certain cases, PIP insurance in Miami may be needed to pay for injuries if you are at fault or no fault has been assigned.