What Exactly Can UM/UIM and PIP Cover?

car accident

The Florida requirements for insurance are fairly low. The state only requires a $10,000 policy to cover property damage, a $10,000 coverage for personal injury protection, and that’s about it. So should Florida drivers carry additional insurance? The answer is a resounding yes. With these very low limits, it’s likely that you will need uninsured or underinsured motorist coverage and possibly a higher PIP covered amount.

Many Floridians have already taken initiatives to exceed Florida insurance requirements. In a no-fault state, having the best insurance possible is in your best interest. There isn’t the constant worry that someone is going to hit you in filing a claim or lawsuit against you that will drive you broke. Instead, your insurance serves you. It should be there for you when you need it most, and here are a few unexpected situations where UIM and PIP can cover surprising injuries. Contact our experienced Florida insurance attorneys right away.

What Will PIP Cover?

Personal injury protection or PIP coverage includes claims that involved a vehicle and resulted in injuries. The common misconception is that PIP only covers medical bills or expenses directly related to the injury. That is not the case.

PIP insurance can cover loss of services, funeral expenses, child care expenses, medical bills, hospital bills, income continuation, and other unexpected elements of an injury. Of course, the medical bills and expenses are the top priority, but PIP coverage picks up where your health insurance leaves off. That means that your health insurance takes the front line on these medical bills, and then the PIP coverage takes over the remaining amount.

UM/UIM for Out of Vehicle Injuries?

Have you ever wondered how pedestrians and vehicle accidents get coverage? They file for coverage through their car insurance. Uninsured motorist and underinsured motorist aren’t there just to pick up the slack where you were genuinely hit by someone who had no insurance. It’s also available for unexpected situations where the motorist coverage won’t provide full compensation.

For example, if you were strolling through an area and a vehicle hits you, then you would file through your own uninsured or underinsured motorist policy. It is likely you would also need to file under your PIP coverage, and possibly pursue compensation from the driver. But pedestrian accidents are often so severe that the $10,000 coverage from the personal injury protection plan and the small amount of coverage from the other driver’s insurance provider probably won’t cover all of the damages.

Hit and Run Accidents

The great benefit of living in a no-fault state is that you don’t have to worry so much about hit and skip accidents. Hit and run accidents still happen, and they are a cause for concern because that person should be held responsible. But that person not sticking around it doesn’t mean that you’re stuck without insurance coverage.

Personal injury protection and UIM coverage would both come into effect in the event of a hit-and-run.

Was the Injury Caused by a Vehicle (Driver)?

Finally, was the injury caused by a driver, directly or indirectly? Let’s go through a rather common scenario. You are helping your friend back there trailer down a boat launch. What is a boat or other watersports toys into the water is no big deal, it happens every day, and usually, no one gets hurt. But, let’s say this time something fell off the trailer because I wasn’t properly tied down or restrained.

It’s likely that you could still file through either your personal injury protection or an uninsured motorist claim because the injury was caused by someone driving a vehicle. This goes right back to a pedestrian accident. Although you clearly knew the person, which will cause problems in the insurance claim process, you still have the right to file a claim.

Should You Call a Tampa Auto Accident Attorney?

Anytime you’re in an accident that involves a vehicle of any type, you should contact a Tampa auto accident attorney. At Winters Yonker, we’ve spent years serving the Tampa community, and I’ve seen it all. From using PIP or UIM coverage for a hit-and-run accident to seeking compensation through these policies for getting injured with an item that was attached to a vehicle.

Don’t hesitate to get the legal help you need to resolve your injuries and the stress associated with your accident. Whether it was a hit-and-run, pedestrian accident, every caused by the driver, or anything in that vein, call Winters Yonker. We’re happy and waiting to take care of a call to explain your options through your coverage. We’re happy and waiting to take care of a call to explain how your additional coverage could pay off.

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