What Does a PIP Insurance Coverage Cover?

Personal Injury Protection (PIP) insurance is required by law in the state of Florida. All vehicle owners and drivers are required to have his or her own policy. This is how personal injury expenses are paid for in the event of any accident involving a vehicle. It is important to be aware of your policy and PIP claim coverage in Tampa so that if you are involved in an accident, you can get the benefits that you need.

Medical Expenses

PIP insurance can cover up to 80% of your medical bills. You should have health insurance as well, so your PIP coverage can go towards your deductible and bills that may go over your health insurance limits.

Funeral Expenses

Funerals are expensive. If you were to be killed in an automobile accident, you do not want to leave your loved ones with those expenses in the midst of mourning. PIP claim coverage in Tampa helps to cover these expenses.

Service Expenses

Injuries can prevent you from driving or fulfilling other responsibilities that you now have to pay someone else to do for you. This could include driving your children back and forth from school, paying for child care or even having groceries delivered to your house. These extra expenses that are a result of your injury can be covered by PIP insurance.

Wages Lost

Depending on your injuries, you may be unable to work for a period of time following the accident. IF this is the case, PIP claim coverage in Tampa can include lost wages. PIP can compensate you for a portion of those lost wages.

As a resident of Florida, it is your responsibility to purchase a PIP insurance policy. Not only can the coverage help pay medical bills in the event of a car accident, but it can also cover other expenses that come up as a result of your injuries.

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