Author: Russell Mckee

Florida “No Fault” Personal Injury Protection Insurance(PIP)

PIP Insurance is also referred to as Florida No Fault Insurance.  Florida is one of ten states that require drivers to purchase this insurance.  Drivers of motor vehicles are required to purchase a minimum of $10,000 in PIP insurance.  You have 14 days after sustaining an injury from a motor vehicle to file a medical claim.

About Florida No Fault Insurance – The purpose of PIP insurance is to reduce the amount of litigation in the court system by lowering the amount of personal injury claims.  Requiring drivers to carry a minimum of $10,000 in PIP Insurance covers the drivers medical bills and lost wages up to $10,000 no matter who is at fault.

What else does PIP cover?

  • Covers your children, family members, and passengers who lack PIP Insurance.
  • People who have PIP insurance will be covered when they are passengers in another vehicle.
  • Covers children receiving injuries while riding the school bus.
  • Protects you and family members while walking or riding a bike, skateboard, etc. and involved in a motor vehicle accident. (Read more here on Pedestrian Accidents)
  • Death benefit – If policy holder or passenger in vehicle is killed, an additional $5,000 is awarded.

Florida PIP Facts:

  • In Florida only 80% of your medical bills are covered by PIP “No Fault” insurance.
  • Health Insurance may cover the rest of the medical bills depending on the policy.
  • PIP will pay 60% of lost wages up to $10,000.
  • PIP will pay your fuel and travel expenses incurred while receiving medical treatment.
  • If your accident is not determined by a medical doctor to be an Emergency Medical Condition or “EMC”, you will only be entitled to $2,500, NOT $10,000.

Can I sue for more damages?  If your medical bills or pain and emotional suffering costs (subject to interpretation) exceed the $10,000 or $2,500 allowed under Florida PIP law, you have a right to sue.  Consult an experienced Florida Car Accident Attorney.

To schedule a free, no-obligation consultation with Car Accident Attorney Mark Bidner, or another Bidner Injury Law firm attorney, call 786-765-4120 or fill out and submit our online Contact Us form .

Florida Pedestrian Accidents

Did you know that Florida is the #1 state for pedestrian deaths? A study ending in 2014 put Florida pedestrian fatalities are at a 10-year high, with over 5,000 people killed while walking in Florida from 2004-2014. In South Florida, the total was 1,508 deaths. Accidents often occur crossing the street, jogging, skating, or waiting on the sidewalk. Mark Bidner and the Bidner Injury Law firm recommend that you never talk, text, or wear earphones while crossing the street. These distractions may prevent you from seeing or hearing an oncoming car, truck, bus, or bike.

While walking down the street, pedestrians are required to use the sidewalk.  If no sidewalk is provided, than they are allowed to walk on on the opposite side of the road, to the far left as possible and facing oncoming traffic.

Some causes of pedestrian accidents:

Drunk driving: Drivers under the influence of alcohol have decreased reaction times, more likely to run a red light, or not see a person walking across the street

Distracted driving: Texting or talking on the phone has quickly risen to be a major cause in the rise of pedestrian deaths.

Illegal speeding: When exceeding the speed limit, a motorist has decreased reaction times. This results in the inability to avoid people crossing the road.

Failure to yield: Drivers are required to yield right-of-way to pedestrians before entering an intersection. Failure to do so may result in driver liability.

Poor street design: Many roads have fast moving cars and poor pedestrian infrastructure. If crosswalks are poorly visible, local government may be held responsible.

What to do when in a pedestrian accident in Florida:

1. Exchange information with drivers and witnesses.
2. Make a police report to document the accident.
3. Take numerous photos of accident site and injuries.
4. Go to hospital as soon as possible. Some injuries may present themselves days later.
5. Consult an experienced Florida pedestrian accident attorney.

Recovering from an pedestrian accident and determining responsibility can be a very difficult task. You deserve to be compensated fully for the injuries you have suffered because of the negligence of another. Bidner Injury Law has the experience and knowledge to fight for what you rightfully deserve.

To schedule a free, no-obligation consultation with Car Accident Attorney Mark Bidner, or another Bidner Injury Law firm attorney, call 786-765-4120 or fill out and submit our online Contact Us form .