Many People are Unaware What “Basic Coverage” Means
I recently had a conversation with young woman who was working at Starbuck’s. She was forlorn because of an auto accident she had on the way to work and said that her car would be in the shop for several days. She wondered aloud about getting a rental car while she was without her car, and I told her it would depend on her insurance. She said “I have PIP.”
I didn’t want to tell her that she would likely be getting a ride to work for a while because she was having a bad day already, but PIP coverage does not provide rental cars for drivers while their cars are being repaired. In fact PIP does not cover repairs. PIP stands for “personal injury protection” and covers medical expenses.
So many drivers are unaware of the facts as they pertain to auto insurance, we would like to help with some basic facts.
The 2016 Florida Statutes, Chapter 627, Section 736 is titled: Required personal injury protection benefits; exclusions; priority; claims – and you may read the section by clicking here.
Some basic information about PIP:
· If you are a resident of Florida and you own a motor vehicle, you are required to purchase PIP. If you are a resident of Florida and own a motor vehicle, you are required to purchase PIP. You are covered by PIP if you are the named insured. You, the insured, are covered by PIP while driving your vehicle or when a passenger in another’s vehicle. You are also covered while outside a motor vehicle if struck and injured by a motor vehicle.
· Resident relatives who live with you, the insured, may be covered by your PIP benefits while they are driving your car, as passengers in your or another’s car, and while pedestrians if struck and injured by a motor vehicle.
· Others who are injured while driving your insured motor vehicle or who are injured while a passenger in your insured motor vehicle or who are injured as a pedestrian when struck by your insured motor vehicle may be covered by your PIP.
· If you or your insured relatives living with you are injured while outside Florida, and are in your insured motor vehicle, you and your insured relatives are covered under PIP as long as the injury occurs within the United States, its territories or possessions, or in Canada.
It is prudent to visit with an insurance agent and take the time to discuss exactly what you expect from your automobile insurance before you buy it. Benefits like towing, repair, and rental cars are certainly worthwhile but they cost more.
PIP usually covers $10,000 of medical expenses and many injuries sustained in accidents exceed that amount.
The Law Firm of Lazarus and Lazarus has been helping Floridians injured in automobile, truck, and motorcycle accidents for more than 20 years as qualified accident attorneys. We are committed to provide everyone with the information you need to stay as safe as possible, and to have the information you need to make informed decisions.