Following an automobile accident, there are different types of claims that could be made to an insurance company or against the injuring party. Some states have a policy in place that makes them “no fault,” meaning that one’s own auto insurance company must pay for at least some medical bills or lost earnings as the result of a car accident, regardless of who was at fault. Florida is such a state and therefore you may be eligible to make a claim for injuries sustained during an automobile accident, even if you were the own designated as at fault.
This kind of claim is covered under one’s personal injury protection coverage and is therefore called a PIP claim. Note that this kind of claim does not cover damages to the vehicle, this should already be covered under your normal insurance clauses, but specifically refers to medical bills and lost wages. You can file this claim at any time after an accident and you can make this claim even if you are not at fault and in addition to a personal injury claim filed against the injuring party.
The question can also arise if this kind of claim can be used in tandem with a health insurance claim, particularly because medical expenses are involved. The answer is yes, however you may get a lower payout because of this. In most cases however, you will have enough to cover your medical expenses between the two companies, unless the injuries are severe.
If you or someone you know has sustained injuries in an automobile accident and are looking to help settle a PIP or personal injury suit claim, it is always a good idea to consult with a lawyer. We at the Franco Firm would love to help you in this way, so feel free to call us at (813) 872-0929.