PIP insurance (personal injury protection) is a mandatory driver’s insurance in Florida. Even though Florida is considered to be a no-fault state, it’s a required necessity. PIP allows you to be able to cover medical costs when you or your passengers sustain personal injuries after a car accident in Boca Raton or nearby areas.

I already have health insurance. Why do I need PIP?

You may be wondering why you should have to pay for PIP when you already pay for regular medical insurance. But you’ll be surprised by just how much it does for you that no other insurance will. In the case of a bad accident leaving you out of commission for several days to weeks, your PIP insurance should cover any incurred medical expenses.

It will not only get you through hospital and doctor bills, but lost wages from missing work or disability as well. If you need special transportation to doctor appointments, you can typically count on your PIP to cover that too.

The most important thing to note about PIP insurance is that the insurance carrier must pay out no matter who was at fault for the accident. However, while a medical provider may treat a patient of their resulting wounds in good faith, PIP insurance companies will often withhold payment to the medical provider in order to conduct their own medical examination. Or, they may hold a peer review to assess whether treatment was truly necessary, and in doing so postpone a payment.

If I have PIP, why would I need to hire a personal injury lawyer in Boca Raton?

As personal injury attorneys, it is our responsibility to represent our Boca Raton residents in making sure payment is made swiftly and without issue. Sometimes a PIP insurance carrier determines that after the initial treatment has been completed that the beneficiary is not in need of follow-up care, even if their doctor says otherwise.

We represent you in your fight for full treatment coverage as deemed medically necessary. If after an accident you require 10 physical therapy sessions to fully recover, but your PIP will only cover 5, we stand by you to make sure you get what you need.

If you’ve been in a car accident in Boca Raton or nearby, or if you’re a medical provider treating accident victims, don’t delay treatment any longer. Call your reliable SEM Law Group Law personal injury lawyers, and get the medical treatment you need and deserve.