Personal Injury Protection – When you drive Florida’s roads, it can be a scenic experience, and at the same time, stressful. If you decide that you want to stay in Florida, you have to register your vehicle and apply for a State license plate.
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Once you have obtained this, the next thing to do is get cheap car insurance in Florida. While it is straightforward to look for cheap auto insurance within the State, obtaining the appropriate policy for your insurance needs involves carefully knowing what you want to have in your coverage. You must be sure that your insurance covers all costs.
What is PIP, and who gets covered?
Likewise known as Florida No-Fault Insurance, Personal Injury Protection, or PIP for short, covers you without condition, which means that the insurance firm pays, regardless of whom is at fault. They pay up to the indicated limits of your insurance policy.
Personal Injury Protection Coverage
Personal Injury Protection covers your child, any member of your household, and specific passengers, particularly those who need PIP Insurance, provided they do not have ownership of a car. People who are passengers of your vehicle and carry Personal Injury Protection will likewise be covered following their own PIP Insurance for any injury. Specific drivers who drove your car with your permission are also covered. PIP Insurance provides coverage to your child if, for instance, he or she sustains an injury while on an institution bus. Other PIP coverage includes protection for you while riding in someone else’s car or as a pedestrian. You are covered if you are a cyclist and you sustain an injury received from a crash involving a car. The Motor Vehicle No-Fault Law of Florida requires all owners of a vehicle possessing, say the least, four wheels to obtain a minimal PIP of $10,000 and property damage liability of $10,000; this is mandatory if you want to own and drive a vehicle in Florida. Likewise, State law requires you to continuously possess Personal Injury Protection and Property Damage Liability insurance throughout the registration and licensing period.
Personal Injury Protection Benefits
Your insurer will pay for PIP benefits if you find yourself in an accident. PIP benefits will be delivered by your insurer, regardless of who will be faulted for the accident; this is what is meant when you say Florida is a no-fault insurance state. Personal Injury Protection pays for as much as 60 percent of your lost income and 80 percent of hospital bills, up to $10,000. The rest of your expenses will have to be recovered from the other party that has caused the accident. A tip to remember is that you can use up all of the $10,000 for your hospital bills. PIP coverage includes any injury or accident involving a car, even when you are riding a bicycle. PIP likewise pays if you are a pedestrian on the street and figure in an accident with a vehicle.
Be Fully Protected
You, like most other people, will indeed feel the economic crunch these days. Therefore, you will tend to obtain the minimum insurance coverage required by Florida’s law. The problem with minimum insurance coverage is that you might not be fully protected – yourself and your assets – if you are at fault in a motor accident. So, it is a must that you are more than minimally covered unless you are using an old model vehicle of no value and possesses no assets to protect.
Ryan Daniel is a car enthusiast, and he has years of experience in the automotive field as an engineer. Now he is also active as an automobile blogger and member of the auto community.