No Fault insurance is designed to reimburse your initial medical bills and reimburse you for any lost time at work following an automobile accident, even if the accident was not your fault.  Thus the name – No Fault.  No Fault insurance appears on your automobile insurance policy as Personal Injury Protection and is commonly referred to as PIP insurance.

Under Florida Law and specifically the 2008 law change, your PIP insurance, which used to pay 80% of the “reasonable and customary” expenses incurred as a result of injuries suffered in a car crash, now pays up 80% of 200% of what medicare would allow.  Because of this change a significant portion of the medical expenses you incur risk not being paid by PIP.

If you are injured in an automobile accident, you need to carefully monitor your medical charges and billing statements.  Further if you consider retaining the services of an attorney, make sure you discuss how your PIP coverage affects any potential personal injury claim.