Personal Injury Protection (PIP) insurance can be a big benefit after an Uber car accident. 

Several states have No-Fault laws. Just look at this map:

Each states’ No-fault laws are different. For example, in Florida, if you qualify for Personal Injury Protection (PIP), it could pay up to $10,000 of medical bills and lost wages.  And got forbid someone dies in the crash, PIP pays a $5,000 death benefit.

If you’re in an Uber accident, you may be entitled to Personal Injury Protection (PIP) insurance.  However, if you’re hurt as a passenger in an Uber vehicle in Florida, Uber won’t give you Personal Injury Protection (PIP) benefits. This is true regardless of whether you live in Florida or are an out of state resident who is injured in a Florida car accident.

If an Uber hits a pedestrian, Uber’s PIP won’t cover the pedestrian unless the Uber driver’s app was on but he wasn’t engaged in a ride.

In Florida, Personal Injury Protection (PIP) gives a $5,000 death benefit resulting from death arising out of the ownership, maintenance, or use of the motor vehicle.  Most Florida auto insurance policies must give personal injury protection (PIP) to the following:

Medical payments coverage is optional coverage in an Florida car insurance policy.  Medical payments coverage is also known as Med-Pay.

Let’s assume that you’re driving a friend’s car in Florida.  Or you’re a passenger in a friend’s car.  In either event, assume that another driver hits you. [Read more…]

Many Florida auto insurance policies with Personal Injury Protection (PIP) coverage have a deductible.  How does a PIP deductible affect payment of your medical bills? [Read more…]

If you’re in a car accident while you’re working, workers compensation may pay for medical bills and part of your lost wages.  If workers’ compensation pays, it has a right to get repaid from your settlement with the party whose negligence caused your injury in Florida.

This legal right to get repaid is called a ‘workers compensation lien’.  The injured claimant is responsible for paying the workers comp lien.

Thus, it benefits an injured claimant to use any Personal Injury Protection (“PIP”) insurance to pay a workers’ compensation lien.  Then, the claimant will keep more of the injury settlement to himself. [Read more…]