In a no-fault auto insurance state like Florida (see F.S. 627.7407), the first avenue of recovery for damages is one’s own personal injury protection (PIP) benefits. One can receive up to $10,000 in PIP benefits, which cover 80 percent of one’s medical bills and 60 percent of lost wages. However, one can only receive $2,500 unless they can prove emergency care was medically necessary (per a recent legislative change), and they can only pursue compensation from the other driver if they can show their injury is sufficiently serious/ disabling.
But just because you have UM/ UIM coverage doesn’t mean getting it is a cakewalk. More often than not, insurers will try to offer low-ball settlement agreements or sometimes deny your claim outright. That’s what happened in a recent case before the Michigan Supreme Court (also in a no-fault insurance state). Continue reading →