In previous blogs we have written on the subject of PIP at length.
PIP is an insurance coverage that is required by the State of Florida.
This means that when you buy car insurance you must buy this sort of coverage. The state requires that you purchase at least $10,000 in PIP coverage. This $10,000 is meant to be used toward your own medical expenses regardless of fault. Indeed, this is why it is called a no-fault benefit. Meaning that these $10,000 should be used toward your medical treatment even if you are not at fault.
As a side note, PIP coverage is being debated both in Tallahassee and in the media. Insurance companies are debating that PIP policies are no longer profitable and are a burden to their companies and profit margins. Some groups and Florida citizens are arguing that the PIP is driving up the cost of car insurance and that it should be done away with due to the harsh economic climate. As South Florida motorcycle accident attorneys we understand the importance of PIP benefits. We don’t want to expand on this debate right now, but Florida drivers should have this minimal protection. If the insurance companies have their way many Florida drivers will have to pay medical expenses out of pocket and still have to pay their insurance premiums. Meaning that insurance will bear all the benefits and little of the risk.
Nevertheless, we leave this for another blog.
The purpose of this blog is to deal with PIP coverage as it pertains to motorcycles, bicycles, and pedestrians in Florida. Florida law does not require that motorcyclist carry PIP coverage. Although, a motorcyclist may buy a special PIP coverage. If you own a motorcycle we recommend that you buy adequate PIP coverage even though it is not required by the State. As Miami-Dade Motorcycle accident attorneys we understand the dangers of driving without proper coverage. It should be noted that your car insurance will not extend its PIP coverage to a motorcycle accident. Insurance policies generally have an exclusion to this effect. This leaves motorcyclist at a great disadvantage.
Injuries to motorcyclist are generally much more severe than those involved in car accidents.
PIP coverage for your car will apply if you are involved in a bicycle accident. If you do not have a car, then the policy attached to another vehicle at the property may apply. If neither of these is available, then the policy of the person who caused the accident may apply. The same principal applies to pedestrians.
Of course, the simplest way to deal with these issues is to buy adequate coverage. If you own a motorcycle ask your insurance agent about getting the appropriate PIP coverage. If you own a motorcycle and don’t have this sort of coverage, then it would be wise to stop driving until you have adequate protection. This would also include UM or uninsured or underinsured motorist coverage. This policy comes in handy if the person who caused the accident has no insurance.
Miami bicycle accident attorneys are here to help you 24/7. We can be reached at 1888.413.8353 or 305.764.9907.