Accidents are expensive: In addition to medical costs and potentially steep repair or replacement of the car, many people pay for time lost from work to recover from lack of medical appointments or injury. Sometimes, injuries are so severe that people do not return to former employment. So if you are injured in an accident, pays for lost wages? In Florida, what he does.
PIP no-fault insurance benefits and
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Florida is a no-faultState insurance. This means that if you are involved in traffic accidents, your own auto insurance covers lost wages, the policy that if you are responsible for the incident. In particular, personal injury protection (PIP) payment of benefits up to 60% of lost wages or lost earning capacity of the injury.
Currently, Florida law requires all drivers at least $ 10,000 in PIP benefits. In addition to payment for lost wages,PIP benefits:
Medical expenses
prescription costs
KM and the medical
The cost of household services, you can not run because of injuries (cut grass, waiting for the pool, cleaning the house)
Up to $ 5,000, sentenced to death
A request for lost wages
To receive PIP benefits, you must notify your insurance company as soon as possible after the incident. Compulsory insuranceand in various forms, including "No-Fault claim for insurance benefits." It can also document on a form provided by your doctor provided injury.
Not for wage cuts, the program asks if present payment of wages and salaries by check, which must be completed by the employer. Based on this information to the insurance company determine the average weekly wage. In addition, the doctorwritten notice to the insurer that does not work not because of an injury. You could be 30 days, the application process for lost wages.
In some cases, even those who are unemployed at the time of the accident can be lost in position, the successful application of this policy pay PIP. For example, if a person is actively seeking a job at the time of the accident and because of the injury, I find a job afterAccident, he is entitled to a percentage payment is lost.
Could benefits from file PIP law, if the car has a passenger in a foreign car or a vehicle, not to use the engine for himself alone but for the authorization. You can also file a complaint with the PIP benefits when struck by a car while crossing the street or on the bike. The family may be in the position of PIP benefits be necessary in some cases.
Additional PIPReporting
You can buy extended coverage for your insurance PIP. If you can afford extra protection, you must buy. If you seriously in an accident, injury medical costs out of control. The cost of hospital stay for a few days you to the limit of $ 10,000.
PIP benefits act as a personal policy. Because Florida is a no-fault state, but it is a personalAlleged violation of pilot error, in very limited situations. These situations are a significant and permanent loss of an important bodily function, permanent injury, scarring or lasting and significant disfigurement and death.
If you fall into either category, you can create a way to pay for all other medical expenses, lost wages or additional insurance is not displayed in the PIP. In this sense, the difference increases the cost of PIPThe benefits do not appear to have been so good.
Protect your rights: lawyer
If you are involved in a car accident, and that coverage under PIP policy research for lost wages, a lawyer with experience in this area of law. The lawyer can work to gather the appropriate documentation of injuries and the average weekly wage. If you were unemployed at the time of the accident, the lawyer can decide whether it is entitled tocollect lost wages under the insurance.
In addition, counsel for the expenditure as a loan officer at the insurance company for lost wages and medical. When the vehicle or other property were damaged in the accident, and the other party is at fault, the lawyer helps the driver to hand over responsibility for damage of property debt (LDP) policy.
Finally, experience injury attorney review the circumstances of a case andExtent of the damage and determine whether it is possible that the compensation of the people against the driver responsible for damage to files. It may be that debtors are entitled to additional damages, including overdrafts medical expenses, lost wages and damages for pain and suffering.
Reference: The Law Office of Scott M. Miller
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