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.



Making the best of a car accident

Few drivers can boast that they have never been in a car accident. Whether it’s a simple rear ending or a more serious head on collision, motor vehicle impacts can feel like a reality of the road if you have been driving for a significant portion of your life. In 2015, the Texas Department of Transportation reported that 37 billion dollars was lost as a result of motor vehicle accidents.

According to the Fort Worth car accident attorneys of Benton Law Firm, speeding, driver distraction, failure to drive in a single lane, driving under the influence, and driving under the speed limit are several of the top contributing factors for serious accidents. Whether you have been personally affected or have a loved one that has been affected, it is crucial in the immediate aftermath of any vehicular incident to follow certain steps in order to protect yourself.

To protect yourself legally, the name of the game is gathering info. Begin with the license and insurance information of all drivers involved, then move on to taking pictures of the damage to all vehicles involved. These details may seem frivolous, but insurance will require an enormous level of detail when doing their job. Even the smallest facts such as time of day and road conditions could prove essential in getting you the insurance outcome you deserve.

To protect yourself physically, preparation begins before you ever hit the road. All drivers should carry an emergency kit in their glove compartment. These kits should include road flares, bandages, and gloves among other safety items.

Many drivers are in shock after an accident. Shock is a medical condition caused by low blood pressure, and symptoms can include dizziness, confusion, pale skin, and sweating.

Rollover Accidents

For those who have a sports utility vehicle (SUV) or light truck, you must be aware by now that you have an increased risk of becoming involved in single-vehicle rollover accidents than someone in a car. Your own life can change forever, if not in a good way. It is still something you want to prevent, even if you effectively sue for compensation for the medical and financial deficits. You’re stuck with an SUV or light truck and while regrets may come too late in the day, it’s still possible to prevent becoming a statistic by observing these precautions.

Regularly Inspect Tires
One trigger of rollovers is when a tire blows out because it is either worn or over-inflated. You can keep this from happening by assessing the tire pressure occasionally and just examining to see when the wheels are in reasonably good shape. For no reason, a defective tire may blow out in a few cases, so verify in case your wheels are among these with flaws.

Buckle Up
Studies all agree that wearing a seatbelt is a significant factor determining the survival rate of anybody involved in a vehicular mishap, but especially in rollover accidents. More than three-fourths of folks who perished in a roll-over injury are not wearing one during the collision.

Keep a watch on your own Speedometer
Many rollover injuries happen when driving faster than the speed limit allows, and speeds that are higher generally result in much more serious injuries. Maintain a light foot on the gas and you will be fine.

Non-urban Roads Caveat
Many rollover accidents involve single- vehicles and can occur on long expanses of rural roads, where the posted speed limit is at least or above 55 miles per hour and there aren’t any obstacles. Be cautious should you regularly travel in your sports utility vehicle along roads.

Maintain Your Weight within Safety Limitations
The threat of rollovers increases in SUVs and light vans if it is overloaded, therefore, avoid overloading the car. Load evaluations are usually indicated in the owner’s manual of your vehicle, and it would be advisable to keep heavy loads as near as you can to the vehicle’s center.

Tire Defects

Your tires are the only part of your vehicle that has contact with the rough and often bumpy road. Because of this, they are critical to the safety of your vehicle. Unfortunately, sometimes manufacturers or repair men make mistakes, and defective tires are the result. There are three main types of tire defects: tread separation, expired tires, and conicity. Tire defects can cause blow outs, roll overs, and accidents that all can result in very serious injuries to those involved, but thankfully, there are a few signs of each defect that you can watch out for.

Tread separation happens when the outer most layer of your tire comes off of the rest of the tire. The tread of the tire is incredibly important, as it is the portion that maintains grip on the road. Without proper grip, you will not be able to maintain good control over your vehicle. Tread separation can be caused by the manufacturer improperly sealing the layers of your tires together, or if a hole was not plugged properly. Some early signs of tread separation include bumps or blisters on your tires, slight to severe vibration while driving, side wall cracks, and uneven or thin tread.

Tires have an expiration date just like food and medicine, although most people do not check their tires for this. Some companies that sell tires do not check for this either, and leave tires for sale on the shelves for much longer than they should. An expired tire can blow out suddenly and without warning, causing accidents or rollovers. To check your tires for their expiration date, you just have to look for a long number that is printed on your tire walls. The last four numbers stand for the week of the year and the year that the tire was manufactured. Generally, tires expire approximately six years after they are made.

Conicity is when tires have slightly angled edges, or hold more of a cone shape rather than a cylinder. This happens when the tires are manufactured and parts of the layers are not centered properly. What results is a tire that will always pull in one direction or the other. The pull can be minor to severe, and even if it doesn’t cause accident or injury, it can cause difficult driving conditions. You may be able to see the altered shape, or you may not. If your car is pulling one way or the other immediately after getting new tires, it is a good idea to have them checked for conicity.

The Role of Driver Error and Negligence in Truck Accidents

The Insurance Institute for Highway Safety (IIHS) recorded a total number of 3,062 large truck accidents for the year 2013. These reported accidents were found to have killed about 570 truck operators and 2,400 more individuals inside smaller vehicles. About 540 pedestrians, bicyclists, and motorcyclist were also recorded to have died in these accidents.

It’s easy to see why truck accidents can cause such notable number of fatalities in a single year. On the road, trucks easily outclass the other vehicles in its surroundings. Trucks typically weigh 20 to 30 times more than regular passenger cars. Any collision between a truck and a car can result significant impact and damage, particularly for those riding in the smaller vehicle.

The only way such outcomes can be prevented is by keeping truck operators accountable for the vehicle they are driving. Reckless and negligent behavior need to be addressed and mitigated immediately in order to avoid future accidents. Truck driver error and negligence is one of the most common causes for catastrophic accidents to occur. In particular, these accidents are often characterized by the following oversights:

  • Failure to provide proper signal when making turns
  • Failure to pay attention to blind spots or no-zones
  • Driving aggressively or recklessly
  • Driving with overweight load
  • Driving during inclement weather conditions

Because of the nature of such vehicles, driving a truck requires a skill set that is far more specific and precise. Trucks are notoriously hard to control and operate. For example, given their weight, trucks required a longer distance before coming to a full stop. The size of trucks also makes drivers vulnerable to blind spots, making it difficult to see surrounding vehicles. Because of these reasons, drivers will need specialized training before they can start hitting the road. In case an accident does occur, trucking companies should be held equally accountable for ensuring that their employees are fit to operate such a specialized vehicle.

Truck Accidents in Tennessee

The numbers are holding steady at around 1.5 deaths for every 100 million vehicle miles traveled (VMT) for the traffic fatality rate reported in the state of Tennessee for the last decade. This is not too bad with the national average at around 1.14. However, the number of trucks involved in fatal traffic accidents increased from 104 (2012) to 119 (2013), roughly a 14% increase.

Truck accidents are always considered with trepidation because it is so often serious. Large trucks that regularly ply the nation’s highways are particularly hazardous to the health of smaller fellow travelers because the trucks are so big and heavy. Moreover, truck drivers are also more likely to be highly skilled but less careful than the average motorist because of the number of hours they are on the road. According to the website of truck accident lawyers Ronald J. Resmini LTD., truck accident victims typically experience traumatic physical and emotional trauma, huge financial expenses, and other life-changing consequences.

The Federal Motor Carrier Safety Administration (FMCSA) is keeping tabs on these accidents from year to year to gather data they can use to further improve the safety regulations imposed on truck and other commercial vehicle drivers as well as their employers. While there has been some success, many truckers and trucking companies find a way to circumvent these regulations in the interest of making more money. In general they are able to avoid accidents but the few who do succumb to illness, fatigue, alcohol, drugs, or even mobile madness are unfortunately more than enough for major destruction.

Truck accidents may be explainable but not excusable. An exhausted, sick, or impaired driver has no business sitting behind the wheel of any vehicle, let alone a large truck. If you have been seriously injured because the truck driver exercised poor judgment in getting behind the wheel, you may be eligible to receive compensation. Find out more when you consult with an excellent personal injury lawyer.