Insurance Options for Injured Passengers
When passengers sustain injuries in a Florida accident, the aftermath of the event can be confusing and overwhelming. While a person’s health has to be the top priority, accessing monetary funds to cope with accident-related costs, fees, and expenses is also a crucial aspect of the recovery process.
Legal professionals are available to guide you through the various insurance options to pursue if you were injured as a passenger. Whether the accident happened in Clearwater, Hudson, or Tampa, Personal Injury Protection (PIP) benefits and other avenues for financial relief are likely in reach.
PIP Coverage, Liability Claims, and Health Insurance
Required insurance coverage that provides benefits for medical expenses, lost wages, and other accident-related costs, PIP benefits are available to policyholders regardless of who is at fault. But a common question that often arises in connection with passenger injuries is whose PIP benefits apply. It’s important to know that PIP benefits often extend to both driver or the passenger.
In many cases, the driver’s PIP coverage can be utilized by the injured passenger to cover medical expenses and lost wages. That said, it’s essential to review the specific terms and conditions of the insurance policy to understand the extent of coverage and any limitations that may apply.
While PIP coverage is a valuable resource that provides expedited financial relief, the resources are not infinite. There are caps in place for PIP recovery, so it may not cover all the expenses associated with a passenger’s injuries. In such cases, passengers may need to move forward with other recovery paths.
For example, if an accident was caused by another’s negligence, the injured passenger may be eligible to file a third-party liability claim. Or in a situation where an at-fault party is uninsured or underinsured, passengers may be able to secure benefits through their own uninsured motorist coverage. This type of coverage is designed to protect individuals when a responsible party is not adequately insured.
Beyond or in addition to auto insurance options, some injured passengers utilize their health insurance coverage to pay for medical expenses after an accident injury. With care and attention to detail, many accident victims find legal professionals are able to coordinate benefits between different insurance policies in order to maximize all of the available financial resources.
Talk to a Professional About Your Choices
While PIP benefits from the driver’s insurance policy may be a primary source of financial relief, injured passengers can also look into other monetary settlement avenues, such as third-party liability claims, underinsured motorist coverage, and health insurance benefits. Meeting with a Florida personal injury lawyer will lead to you having a comprehensive understanding of your choices.
Has a passenger injury resulted in you needing an expert to carefully examine how you can pay for accident-related expenses? Consulting with the legal representatives at Roman & Roman is a way for you to be informed, explore all of your recovery options, and secure the compensation you need. To connect with over 100 years of combined experience, schedule your no-obligation consultation today.
Although the law firm of Roman & Roman has offices in Clearwater, Hudson and Tampa, we handle cases and claims throughout Florida. We also meet personally with our clients if at all possible, rather than impersonally over the phone or on the Internet.
