What PIP typically Covers

According to West Palm Beach PIP attorneys, Florida state law requires motorists to carry a minimum of $10,000 “PIP” insurance coverage, allowing for them to receive medical treatment coverage after an auto accident, regardless of who was at fault for the accident. However, the law makes it unfortunately easy for insurance companies to deny claims, leaving hospitals, doctors, and other medical providers without the ability to recover compensation for the cost of treatment performed.

The Department of Motor Vehicles often refers Personal injury protection (PIP) coverage as “no-fault car insurance,” as it is the most commonly required insurance coverage among no-fault states. By 2012, only 12 states have remained recognizing the no-fault system. Nine of these states require the no-fault system among their drivers; these include Utah, North Dakota, New York, Minnesota, Michigan, Massachusetts, Kansas, Hawaii and Florida. The other three, Kentucky, New Jersey and Pennsylvania, allow their drivers to choose between the no-fault or the usual liability car insurance coverage.

States that require no-fault car insurance, or personal injury protection (PIP) coverage, do so to protect drivers from delayed payout for personal injury claims, and to lower the amount of lawsuits related to traffic accidents. Though this no-fault insurance limits a policyholder’s right to sue, he or she can still sue if one of the following applies:

  • Serious death or injury occurred.
  • Damages reached or exceeded a set threshold.

Your state of residence will define what PIP should cover, but typically, this should cover the following for you and your passengers after an accident:

  • Medical expenses.
  • Lost wages due to injury.
  • Funeral expenses.

Many times, however, insurance firms are reluctant to compensate claimants. They look for ways to deny, underpay, or delay payment on a claim, leaving victims, hospitals, doctors, or other medical providers not knowing where to turn for help. This is an unfair practice of insurance providers – you owe it to yourself not to let them get away with this unfair and unjust practice.



Trucking Company Negligence and Accidents

When truck accidents happen, it is easy to put the blame on the truck drivers. After all, they are the ones controlling the trucks, and they should take extra care in doing so because of the fact that trucks can cause more dangerous accidents compared to other vehicles.

But you should not be too quick to judge. According to the website of these truck accident lawyers, the company that hired the driver and other parties can be partially at fault, so they may also be held accountable.

Abusive Trucking Hours

One instance where a party other than the driver can be held liable is when the trucking company has been known to abuse its drivers. Drivers can be abused by giving them unrealistic delivery quotas and forcing them to work in longer hours. The drivers may end up relying on reckless or negligent driving behaviors just to meet expectations. So, in a way, the driver is not the only one to blame when an accident occurs, because it can be argued that the driver will not rely on these behaviors in the first place if the employer is not abusive.

Negligent Hiring Processes

The website of Ravid & Associates, P.C. has enumerated various ways on how a trucking company can be negligent, and one of them is negligent hiring. When you think about it, this is understandable. Trucking companies should be responsible enough to screen and filter driver applications in a way that removes those who have driving offense records, for obvious safety reasons.

If it has been proven that they have failed to use the proper procedures in their hiring process, they may be held accountable for accidents.

Unsafe Trucking Practices

Trucks are some of the biggest and heaviest vehicles on the road, so it is important to ensure that they are not going to be involved in accidents. Having safe trucking practices helps here. Trucking companies should enforce proper inspection of trucks before use, regular maintenance of trucks and their parts to prevent defects, and avoid reckless practices like overloading.