The limit for no-fault PIP benefits is $10,000 per individual for the loss sustained due to disease, sickness, or bodily injury ($5,000-death) that arise out of the possession, maintenance, or usage of a vehicle. You can consult a car wreck lawyer to verify this.
Personal injury protection pays 80% of all medical benefits for every reasonable expense for necessary surgical, medical, dental, X-ray, as well as rehabilitative services, which includes prosthetic devices, crutches, wheelchairs, slings, splints and neck braces. Medically necessary nursing and hospital services, and ambulance are covered, and benefits are paid for essential remedial treatment as well as services permitted and recognized under the state laws for an injured individual who relies exclusively on spiritual means with the aid of prayer for healing purposes due to religious beliefs.
If you’ve been through an auto accident, bear in mind that if you have coverage for medical payments through your car insurance policy, the coverage for medical payments will be secondary to the PIP coverage. The additional medical expenses, the 20% not covered, and perhaps the deductibles will or will not be insured by the further medical payments coverage. This system depends on what particular policy you have agreed to.
Florida Statutes state that as regards any services or treatment, other than certain emergency and hospital services, the charges statement provided to the insurance company by the provider will perhaps not include. In addition, the injured party and the insurer are not obligated to pay, payments for services or treatment rendered over 35 days before the statement’s postmark date, except for past due amounts formerly billed at an appropriate time. And excluding that, if the provider presents the insurer with a treatment initiation notice within 21 days following the first treatment or examination of the claimant. The statement could include charges for services or treatment rendered up to but not over 75 days before the statement’s postmark date. The insured individual has a duty to give the provider the correct address and name of the PIP insurer. Failure to do so could cause delayed settlements to the provider.
At the initial service or treatment provided, you’ll be obligated to sign an acknowledgment and disclosure form affirming that the services were truly rendered. It is your duty and right to affirm that the services stated were rendered; that you weren’t asked to request services from the provider; that the provider clarified the services; and that if you inform the insurance company of a billing inaccuracy, you may be enabled to have a share of the savings of the insurers.
Bear in mind that you may be eligible for a certain percentage reduction in the amount funded by the insurer of the vehicle if you inform that insurer about a billing inaccuracy.