Daytona Beach Personal Injury Protection (PIP) Attorney

We Handle PIP Claims in Daytona Beach and Throughout Central Florida

At My Affordable Attorney, our Daytona Beach PIP lawyer has the knowledge, skills, and legal experience that you can rely on. If you were involved in a motor vehicle crash in Florida, we are here to help you navigate the state’s no-fault insurance laws, including a Personal Injury Protection (PIP) claim. Do not rely on any insurance company to look out for your best interests. For a free consultation with a top Daytona Beach PIP attorney, please do not hesitate to contact us today.

Florida is a No-Fault Insurance State (Know the Law)

Florida operates under a unique no-fault auto insurance system. After a motor vehicle accident in Daytona Beach or elsewhere in the region, it is your own Personal Injury Protection (PIP) coverage that is the first source of financial recovery. That is true regardless of who was at fault for causing the crash. Under Florida Statutes § 627.736, every driver in the state is required to maintain a minimum of $10,000 in PIP coverage. It is not uncommon for drivers to have even higher PIP coverage. PIP insurance is mandatory coverage, and it is designed to ensure that victims have immediate access to medical coverage and wage replacement after an accident. 

What Personal Injury Protection Insurance Actually Covers in Florida

You may be wondering what PIP insurance actually covers in Florida. The short answer is that it is meant to provide prompt financial assistance after a motor vehicle accident regarding both medical care and wage loss. Other damages, such as vehicle repairs and pain and suffering, are not covered by the Personal Injury Protection system in Florida. Instead, this no-fault insurance coverage offers the following benefits: 

• Medical Expenses: PIP covers initial medical care. It offers coverage of up to 80 percent of reasonable and necessary medical treatment costs. Coverage is capped at the policy limit. All motorists in Florida must have at least $10,000 in PIP insurance. Medical care includes hospital care, emergency services, diagnostic testing, follow-up visits, rehabilitative therapy, and certain medically necessary supplies.
• Lost Wages: In Florida, PIP insurance also provides a payment of up to 60 percent of income lost due to accident-related injuries. The purpose is to help offset the financial impact of time away from work. The policy limit also applies. 
• Death Benefits: Finally, in the tragic and extremely unfortunate circumstance of a fatal accident, PIP insurance provides a $5,000 payment to assist with funeral and burial expenses in the event the accident results in a fatality.

Unfortunately, even though Florida’s no-fault law is supposed to make the process efficient, the reality can be very different. Insurance companies underpay, delay, or outright deny legitimate PIP claims for a wide range of different reasons. Too many policyholders struggle to get their PIP benefits, whether you are an injured motorist struggling to get your bills paid or a medical provider facing repeated PIP denials. My Affordable Attorney is committed to protecting your rights. 

How Our Daytona Beach Personal Injury Protection Lawyer Can Help

PIP claims are complicated. If you suffered an injury in a car crash, your initial claim is a Personal Injury Protection claim. Depending on the severity of the accident, that PIP claim may be your only personal injury claim. Unfortunately, PIP providers can make things challenging for victims. At My Affordable Attorney, we fight hard to help policyholders secure the full and fair benefits that they deserve. Our firm provides the most affordable legal representation. Our contingency fee rates are lower than other firms. We are proactive and results-focused. Among other things, our Daytona Beach Personal Injury Protection attorneys are ready to: 

• Conduct a free, comprehensive review and evaluation of your case; 
• Investigate the motor vehicle crash, gathering evidence for your PIP claim; 
• Handle correspondence and settlement negotiations with your PIP carrier; and
• Take whatever action is needed to help you secure the maximum insurance benefits. 

PIP Insurance Claims in Florida: Frequently Asked Questions (FAQs)

Do I need to act quickly to get PIP benefits?

Yes. The most important thing to do is to see a doctor right away after a crash. To qualify for PIP benefits, you must seek initial medical treatment within 14 days of the accident, and care must be provided by a licensed healthcare professional authorized under the statute. You should also notify your PIP insurer as soon as possible. Failure to do so could undermine your benefits. 

Can I choose my own doctor for PIP-covered treatment?

Yes. Under Florida law, policyholders can seek care from any licensed medical provider authorized to bill PIP, including physicians, hospitals, and certain chiropractors. With that being said, treatment must be considered “reasonable and necessary” for car accident-related injuries. You should generally choose a provider experienced in PIP billing. 

What happens if my medical expenses exceed my PIP limit?

Once your PIP coverage is exhausted ($10,000 for most policyholders), you may need to rely on your health insurance or pursue a claim against the at-fault driver for additional compensation. It should be noted that serious injury claims may allow you to step outside the no-fault system. A top-rated Daytona car accident lawyer who has experience handling PIP claims can help you explore every available source of financial compensation after a serious wreck. 

Will making a PIP claim increase my insurance rates?

Filing a PIP claim should not automatically raise your premiums since PIP is a no-fault benefit required by Florida law. However, insurers may still consider your accident history when determining future rates. If you have any questions, an attorney can help.

Contact Our Daytona Beach PIP Attorney Today

At My Affordable Attorney, our Daytona Beach car accident lawyer has the skills, knowledge, and experience to take on PIP claims. If you have any specific questions or concerns about PIP coverage, we are here to help. Please do not hesitate to contact us for a free, confidential consultation. With an office in Daytona Beach, we handle PIP claims throughout Central Florida, including in Volusia County, Seminole County, Lake County, Flagler County, and Brevard County.