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Obtain The Compensation You Are Owed! PIP Law The personal injury protection (PIP) law, specifically Florida Statute 627 .736(1), states that each insurance provider who writes P.I.P. policies should pay for the medical benefits listed below following a vehicle accident: Eighty percent of the necessary expenses for required surgical, medical, dental and rehabilitative services, x-ray, prosthetic devices and the needed ambulances, hospitals, and nursing service. These benefits will include all remedial treatment recognized and allowed by the state laws for an injured individual who depends on spiritual means alone, through prayer, for recovery, according to his religious beliefs. Despite the fact that it is not mentioned within this statute especially, the appellate court in Florida did state that the price of transport incurred regarding the necessary and reasonable treatment is really a re-imbursable medical expense. Car accident patients could also claim back P.I.P. benefits for the replacement service - whatever normal service they might action for themselves that they cannot now do due to injuries sustained within an car 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... 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... 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... more... more... more...

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