PIP Or No-Fault Insurance:
With so much auto Insurance available sometimes it is difficult to choose insurance best for you with high benefits. One such insurance with great benefits and compulsion according to Florida rules is no-fault insurance.
No-fault insurance is also known as PIP(personal injury protection) coverage, which helps you to pay the expenses of medical treatment after a car accident. These benefits are applicable to anyone present in your car, regardless of who is at the fault.
One of the main differences between PIP and other insurance coverage is, it reduces the argument of who is at the risk and allows timely treatment to the victim. PIP helps you to pay for the medical treatment for those who are present in your car including you and also if someone hits your car and injures you. Whomsoever it may be at fault. If you carry PIP your treatment after a car accident shall be compensated.
What Are The Benefits Of PIP:
Still in doubt how beneficial PIP is? If you get hurt in a car accident there are the following benefits that PIP can provide you.
- PIP covers health care expenses for the injuries sustained in an auto accident.
- PIP secures both the policyholder and their passengers.
- PIP has minimum coverage of $10000, which also can be high according to your set limit.
Where does PIP work?
Insurances and their features may differ from state to state. PIP is mainly required in no-fault states like Florida. In a no-fault state, if a policyholder is injured in a car wreck, that person?s policy will pay for the medical healthcare no matter who is at fault. PIP holders can still have access to the benefits of the other driver who does not have the insurance.
PIP further provides you with the benefits of medical care, child care, lost income, funeral expenses related to the accident.
PIP And 14 Days Rule:
PIP coverage also comes with an exception of following the 14days rule. Which states that the benefits of the PIP policy shall be only compensated to you if you seek medical attention within 14 days of the accident. After 14 days no compensation shall be reimbursed.
You are eligible to apply for the compensation claim of PIP if you have taken medical treatment from a qualified medical healthcare provider like a doctor, chiropractor, emergency medical technician, etc.
Not Getting The Benefits?
Insurance companies should be dedicated to providing you with the best of the benefits of the insurance policy but still, they are into business and might be possible your benefits are not given to you. The same in the case of PIP has been noticed. Many clients of Ortega chiropractic clinics have told us about not receiving the legally promised benefits in their PIP policy.
PIP or no-fault insurance insures the treatment expense after an accident regardless of proving who is at fault to the legal system and receiving the medical attention hassle-free.
In Florida, a no-fault state PIP coverage is being exploited by the fraudulent insurance company that does not want to compensate you for the benefits of PIP. These companies take advantage of your circumstances and lack of knowledge on how the system of PIP works. Their aim is only, to not provide you with all the compensation amount. They ignore your legal rights and hide the benefit clause from you while availing to the PIP.
Companies also increase the auto insurance rates. In Florida, PIP insurance companies are continuously raising the rates in years in part due to an increase in PIP fraud.
Reasons They Provide To Not Issue PIP Compensation:
The main reason provided by the insurance company for the denial of the PIP compensation is, the victim has not seen medical attention in 14days of the accident. Due to the 14 days rule excuse, the injured are denied the PIP benefits.
We to Help You:
We not only offer the best chiropractic therapies for the victims of car accidents but also secure them from the frauds of the PIP insurance company. We legally provide you with the benefits of the PIP promised by the insurance company and save you from fraud in your tough times. We understand the urgency of money in such unfortunate circumstances for your medical healthcare attention.