The Personal Injury Protection (PIP) Claims Process in Florida

Florida requires that all drivers in the state have Personal Injury Protection (PIP) or “no-fault” insurance. This type of insurance will cover a certain amount of the costs covering injuries, lost wages, and death benefits in the event of a car accident. However, there are limitations to what PIP can cover.

If you’ve been involved in a car wreck, consult with a PIP lawyer who can guide you through a claim and make sure you get the money you need. Understanding personal injury protection in Fort Lauderdale car accidents can be challenging, but you maximize your chances of collecting substantial compensation when you work with our team.

Call attorney David I. Fuchs to schedule a consultation.

Personal Injury Protection: Mandated by State Law

PIP helps local drivers recover money for medical costs, lost wages, and wrongful death. However, PIP claims can be complex. A dedicated lawyer in Fort Lauderdale like David Fuchs can help you understand everything you need to know about personal injury protection.

What Is PIP Insurance?

You might wonder if you need PIP insurance. If you are a Florida driver, the answer is yes. Florida motor vehicle law requires all drivers to have PIP insurance to cover initial expenses they may incur after a crash.

PIP insurance covers certain costs like medical bills, wage loss, and death benefits up to a certain extent. For example, it will cover 60% of your lost wages, up to $10,000. Additionally, 80% of your medical costs will be covered by PIP. It will pay for funeral and burial expenses if a person dies in a car accident.

PIP will cover your damages no matter who is at fault. It is called “no-fault” insurance. PIP also covers the same losses for children and other family members in the car at the time of the crash. It is vital to remember that you must seek medical attention within 14 days of the crash to qualify for PIP money.

Fort Lauderdale PIP and Economic Benefits

In addition to bills associated with hospitalization, doctors, and other medical costs, PIP also offers some economic benefits. Personal injury protection will cover some home care expenses, including childcare, pet care, house cleaning, home modifications, and other needs if you cannot fulfill those duties yourself.

Types of Crashes PIP Covers

PIP will cover any motor vehicle accident where medical bills, lost wages, and death benefits are needed, including:

Other Types of Required Insurance

State insurance law also requires drivers to have Property Damage Liability (PDL) insurance along with PIP. You must have a minimum of $10,000 in PDL coverage as a standard passenger motor vehicle.

Suppose your car is registered as a taxi service, which is common with some ride-sharing services. In that case, you are also required to have Bodily Injury Liability (BIL) in the amount of $125,000 per person, $250,000 per occurrence, and $50,000 in PDL insurance coverage.

PIP Claims Process

A PIP claim may only be used to cover your own damages up to a certain amount. Its use is limited to specific needs, and it only covers a percentage of those losses. The claims process to obtain PIP coverage is similar to any other car accident claim.

Steps to take to get money from your PIP policy include:

  1. Get medical treatment immediately after a crash.
  2. Report your car accident to your PIP insurance company as soon as possible after the crash.
  3. Keep track of all medical costs, lost wages, and household expenses due to your injuries.
  4. Contact a PIP attorney who can file your claim via phone or online.
  5. Continue to get medical treatment and follow your doctor’s recommendations.
  6. Determine the value of your claim and make a demand to the insurance company.
  7. Negotiate a settlement amount with the insurance company or accept 100% of your policy value.

Attorney Fuchs can help Fort Lauderdale residents navigate any of these stages and preserve their right to substantial compensation.

Things to Remember with a PIP Insurance Claim

PIP insurance can help you start getting money faster after a crash. The insurance company is typically willing to pay out through that policy quickly compared to other liability insurance policies. However, there are some things you need to remember about insurance claims so you get the maximum amount you deserve:

  • Don’t give the insurance company a statement until you get legal help.
  • Litigation through a personal injury claim may be necessary to obtain additional damages from the at-fault driver.
  • PIP does not cover pain and suffering, but a personal injury claim or liability claim will include it.
  • You can get the maximum amount of your PIP policy value if you have damages that equal that amount.
  • Keep track of all medical costs and lost wages, so you have proof of how much your claim is worth.

Speak With Us about Personal Injury Protection in Fort Lauderdale Car Accidents

PIP claims require knowledge of nuanced state laws. The insurance company may try to deny or delay you claim in an attempt to pay as little as possible. By working with an experienced PIP attorney, you can get maximum compensation.

Attorney David I. Fuchs has worked with countless victims of car accidents. He has dedicated his law practice to helping people who have been injured, and he can help you understand personal injury protection in Fort Lauderdale car accidents. Reach out to us today to get started on your case.

Client Testimonials

“…the settlement I received was much higher than anticipated”

Fuchs was my car accident attorney and was very responsive from the first call. I had medical care the next day and the whole process was smooth. They handled everything with the insurance companies and coordinated all of the necessary medical information. It was a long process and in the end the settlement I received was much higher than anticipated I am more than happy and grateful for the outcome.

Sean O.
Google Review
“Not only did I get the medical attention I needed but I was compensated handsomely.”

It’s been a long bumpy road to recovery but with David and his office’s help, we finally got it done! Through a great network of professionals, David Fuchs makes a good experience out of what could’ve been quite a headache. Not only did I get the medical attention I needed but I was compensated handsomely. Thank you!

Giovanni G.
Google Review
“…they didn’t settle for anything and my boyfriend and I got what we deserved.”

I got in an accident in December 2021 when everyone was short staffed and insurance companies was not responsive. My boyfriend reached out to David F. and what a life changing experience. We had the pleasure of having all our worries handed to professional help. They worked diligently on our case, answered questions when asked and kept us updated on changes. More importantly they didn’t settle for anything and my boyfriend and I got what we deserved. I have dealt with others in the past but David got me the most according to the facts presented and never backed down when the insurance companies tried to make us settle for less. Thank you David, Jessica and the team for all your effort and hard work. I will recommend them to family and friends. [They’re] the best in town!

Sheila N.
Google Review
“Best lawyer in Broward County”
Evans P.
Google Review
“Mr. Fuchs and his staff were very helpful.”

I highly recommend Law offices of David Fuchs. Mr. Fuchs and his staff were very helpful. The case was handled in a timely manner and I was always informed if there were any changes or updates with my case.

Velouse G.
Google Review
“Mr. Fuchs is one of the hardest working attorneys that I know.”

Mr. Fuchs is one of the hardest working attorneys that I know. He is really good at what he does and puts 110% in you case. I have been using him for 19 years now and refer all my friends to him. I can leave him alone with my case and not call him all the time. I know he is working hard in my case. When he has any information he calls me and we go from there. There are not a lot of attorneys I can do that with! If you have any Personal Injuries please do call him. You won’t be disappointed!!

Libby E.
Google Review
“I would definitely refer to this firm as the go-to Florida personal injury gurus.”

At first I was afraid…I was petrified! I truly was! But the extensive knowledge, patience and professionalism I received brought me not only such peace and assurance that I was in good hands, but we got through my case like shining stars! David made sure I understood exactly what, when, where, why and [answered] whatever question I had. I would definitely refer to this firm as the go-to Florida personal injury gurus.

Donna M.
Google Review
“They have a wonderful team.”

…took care of my well-being [and were] very informative about my situation. [T]hey were on the ball when it came down to settling…I highly recommend David.

Nicholas G.
Google Review
“My experience with David Fuchs was awesome.”

I got a really good return… thank you David Fuchs and staff for being so helpful and working so hard to help us, you are appreciated.

Yvette W.
Google Review
“This is a great law office.”

The David I Fuchs law office is a group of excellent people that helped to their fullest potential. They treated me with respect and I really appreciate that. This is a great law office.

Jonathan Z.
Google Review
“Never did I imagine myself getting into an accident.”

It has been an unexpected journey since stepping foot in Florida. Never did I imagine myself getting into an accident. I just want to thank the staff and all the support. The Therapy the doctors; you guys were awesome and made me feel better in my situation. This the first time I ever experience such a thing but I’m blessed , thankful and behind it all DAVID FUCHS who made it happen for me.

Sade P.
Google Review
“They helped tremendously!”

I would totally recommend David to everyone. They’re extremely professional and work in a timely manner. They helped tremendously!

A Boone
Google Review
“I highly recommend this man.”

A good man knows, his law 35 years experience. Will get the job done and help you and your family get compensated for you pain and damages. I highly recommend this man. I want to revisit my review and say that Mr. Fuchs always picks up his phone and answer any questions that may pertain to my case. Thank you, David.

N. Hit
Google Review
“He was able to settle my case with little to no trouble and did so in a very professional manner.”

David Fuchs was my car accident attorney. He was able to settle my case with little to no trouble and did so in a very professional manner. I would highly recommend him to others.

Samantha D.
Google Review
“…all went good and successful. thank you so much for all your help.”

I got into an accident for the first time and I didn’t know what do or how things works, but I was lucky to find a professional and helpful people to guide through this experience.
They did take care of my case all went good and successful thank you so much for all your help.

Karen G.
Google Review
“Very professional. Had no problems with communication”
Zuberi L.
Google Review
“He was there every time I called and got me a great settlement.”

I was in a car accident and looking for a professional, caring attorney.I was fortunate to find Mr. Fuchs, who helped me through the whole process. He was there every time I called and got me a great settlement.

Joan K.
Google Review
“My settlement was fast, fair and professionally handled.”

Had a car accident and needed an advocate to communicate my concerns through my insurance provider. The law office of David Fuchs, was efficient and thorough. My settlement was fast, fair and professionally handled. Would highly recommend giving this office a call if you need legal assistance.

Willie M.
Google Review
“A+++++ recommended.”

I want to thank the office of David Fuch’s. A+++++ recommended.

J. Hernandez
Google Review
“I could not have asked for a better team by my side.”

They were very helpful. I could not have asked for a better team by my side.

S. Rodriguez
Google Review
“They got me my settlement pretty quickly and worked hard on my case for me.”

I was in an accident mid last year and Mr. Fuchs handled my case and his case manager[s] Yessi and Jessica were very informative as to the process. They got me my settlement pretty quickly and worked hard on my case for me. Mr. Fuchs was extremely knowledgeable and informed me of everything that would happen in my case. I will recommend this firm to my family and friends and i will be using their services in future if need be.

Pastor D.
Google Review