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Involved in a Truck Accident in Florida? Three Common PIP Claim Mistakes to Avoid

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Florida is a no-fault motor vehicle accident state. Your initial claim following a crash—including a commercial truck accident—is through your own insurer (Personal Injury Protection (PIP) coverage). There are some common PIP mistakes that truck accident victims need to avoid. Within this article, our Miami truck accident lawyers highlight three of the most common PIP claim mistakes that you need to avoid after a crash with a semi-truck in Florida.

What is Personal Injury Protection Coverage? 

Personal Injury Protection (PIP) coverage is a type of no-fault insurance required for all drivers in Florida. It provides up to $10,000 in medical expenses, lost wages, and other damages regardless of who caused the accident. PIP is designed to ensure prompt payment for injury-related costs without needing to establish fault. It applies to all types of motor vehicle accident claims, including crashes involving commercial trucks.

 PIP Mistake #1: Waiting Too Long to Seek Medical Care 

Florida has a 14-day rule for PIP claims. Under state law, you are required to seek medical treatment within 14 days of a truck accident to qualify for Personal Injury Protection (PIP) benefits. Waiting too long to see a doctor could lead to the denial of your claim—even if your injuries are serious. Ignoring this rule may leave you with unpaid medical bills and no access to necessary compensation. See a doctor right away after a semi-truck accident in Florida. You may have serious injuries even if you do not initially feel that much pain.

 PIP Mistake #2: Putting Too Much Trust in Your Own Insurer 

Your insurance company processes your PIP claim—but its primary goal is to minimize payouts. Unfortunately, dealing with your own insurance company can still be very challenging. The key thing to remember is that insurance adjusters work for the company; they are not on your side after an accident. You can benefit from working with an experienced semi-truck accident lawyer.

 PIP Mistake #3: Assuming a No-Fault PIP Claim is Your Only Option 

A PIP claim is important after a truck accident. While Florida’s no-fault PIP coverage helps with medical expenses and lost wages, it still may not be sufficient for serious truck accident injuries. PIP benefits are capped at $10,000—and that is often far less than what you will need for serious or especially catastrophic injuries. If another party was at fault, you can pursue a liability claim to recover additional damages, including pain and suffering. Do not assume that you are stuck with a no-fault claim. A Miami truck accident lawyer can help you explore all available options.

Contact Our Miami, FL Semi-Truck Accident Attorney for Your Free Consultation

At Pike & Lustig, LLP, our Miami tractor trailer accident lawyer has the skills and experience to take on the full range of cases, including PIP claims. If you have any questions about the PIP claims process after a semi-truck accident, we are here to help. Contact us today for your free, no obligation initial case review With an office in Miami and West Palm Beach, our firm fights aggressively to protect the rights of truck accident victims throughout South Florida.

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