Personal Injury Protection Law
The Personal Injury Protection (PIP) law (specifically, Florida Statute 627.736[1]) requires every insurance company writing PIP policies to pay the following medical benefits following an automobile accident:
Eighty percent of all reasonable expenses for necessary medical, surgical, x-ray, dental, and rehabilitative service, including prosthetic devices, and necessary ambulance, hospital, and nursing services. Such benefits shall also include necessary remedial treatment and services recognized and permitted under the laws of this state for an injured person who relies upon spiritual means through prayer alone for healing, in accordance with his religious beliefs.
Even though not mentioned in the statute specifically, the appellate courts in Florida have held that the cost of transportation incurred in connection with reasonable and necessary medical treatment is a reimbursable medical expense. Automobile accident patients may also recover PIP benefits for replacement services - whatever ordinary services they could do for themselves but can no longer do as a result of injuries sustained in an automobile accident.
Med Pay
Medical Payment Coverage is separate and distinct from Personal Injury Protection benefits. Whereas the PIP benefits will pay only 80 percent of the incurred medical expenses, Medical Payment Coverage will pay ...
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Deductibles
Since the initial No-fault Insurance legislation, insurance companies have been permitted to offer an array of optional deductibles. In 1982, the Florida legislature reduced the optional deductibles to ...
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I.M.E.'s
When the physical/mental condition of an insured person covered by Personal Injury Protection (PIP) insurance is "material" to any claim for benefits, the insurance company can require the patient to submit to ...
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