Clearwater Personal Injury & Criminal Attorney
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Personal Injury Protection Coverage (PIP)

I recently met with a new auto accident client, and this person asked me why he was receiving bills from a doctor who had treated him for injuries he suffered in a motor vehicle accident. This client thought that his personal injury protection insurance was supposed to pay for all of his medical bills. This is a question that is asked often the first time I meet with an auto accident client.

Everyone needs to be aware that standard personal injury protection coverage (“PIP”) on your auto insurance policy only pays 80% of a bill you have incurred as a result of treatment for an accident. You are responsible for the other 20%. Also, your PIP will stop paying bills once your PIP has paid $10,000 for your accident related bills. You are responsible for any unpaid medical bills once your PIP is exhausted.

You should ask your automobile insurance agent for additional PIP and/or a coverage called “Medical Payments” coverage, which will pay the 20% of the bill that PIP doesn’t pay (up to your chosen policy limit), plus medical bills over and above the first 10,000 of PIP coverage.

Clearwater Office

Clearwater Office

fax: 727-736-3234
2274 FL-580
Clearwater, FL 33763
Hudson Office

Hudson Office

Hernando: 352-796-2151
fax: 727-736-3234
12000 U.S. Hwy 19
Hudson, FL 34667
Tampa Office

Tampa Office

(by appointment only)
fax: 727-736-3234
9301 W. Hillsborough Ave.
Tampa, FL 33615
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