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Personal Injury Protection

What is “Personal Injury Protection” (PIP) insurance?

Also called Florida No Fault Insurance, Personal Injury Protection (PIP) Insurance covers you – regardless of fault (i.e. whether or not you cause the crash) – up to the limits of your policy. Your PIP will also cover your child, members of your household, certain passengers who lack PIP Insurance as long as they do not own a vehicle. People riding in your vehicle who carry PIP will receive coverage under their own PIP for their injuries, and certain licensed drivers who drive your vehicle with your permission, may be entitled to coverage under your policy under limited circumstances. PIP coverage protects you while in someone else’s vehicle, as a pedestrian, or bicyclist if you suffer an injury in a crash involving a motor vehicle.

The Florida Motor Vehicle No-Fault Law, requires all owner/registrants of a motor vehicle with four wheels or more to carry a minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability (PDL) if you own a motor vehicle in Florida. Florida law requires you to maintain PIP/PDL insurance continuously throughout the licensing and registration period.

At Berger Hicks, we represent Medical Providers, including physicians, chiropractors, diagnostic facilities, surgeons, and physical therapists in actions against insurance companies when their bills are denied or improperly reduced.  Zachary Hicks and Martin Berger have collected millions of dollars in wrongfully denied PIP benefits on behalf of their clients.  If your insurance has wrongfully denied or reduced your bills as a result of an accident, contact Zachary Hicks at zhicks@bergerhicks.com.