Important Terms and Requirements - Florida Automobile Accidents
This guide provides some definitions and explanations of terms that commonly arise in the aftermath of a Florida Automobile Accident.
Florida No-Fault InsuranceFlorida No-Fault Insurance is among the most commonly confused terms and issues when dealing with a Florida Automobile Accident. Many people falsely believe that a negligent driver cannot be held liable for damages caused by the accident or crash. Simply stated, this is not true. A negligent driver can be held liable for the damages. The Florida No-Fault Laws merely apply to the payment of medical expenses under PIP and the requirement that the injury victim have a permanent injury or scar to be compensated for pain, suffering, loss of enjoyment of life damages.
PIPPIP refers to Personal Injury Protection. Every registered owner of a motor vehicle is required to have at a minimum PIP (Personal Injury Protection) and Property Damage coverage. PIP will pay up to 80 % of the insured's medical bills to a maximum amount of $10,000. If a person is injured as a result of the negligence or fault of another driver, PIP benefits are paid under the victim's automobile insurance policy. Even if the injured person is at fault, PIP will still pay for the medical bills.
MMIMMI refers to Maximum Medical Improvement. It is the point in time in which the key medical providers believe that the patient has reached a plateau of recovery. MMI does not mean that further treatment is unnecessary. When a patient reaches MMI, this may be the right time for the key medical providers to issue a report summarizing the care, medical conditions, and long term health issues.
PPIPPI refers to Permanent Partial Impairment. In Florida, the injury victim pursuing a claim as a result of an automobile accident claim or case must prove that the injuries sustained were permanent in nature to qualify for pain, suffering, and loss of enjoyment of life damages.