Category: PIP

Here’s What You Need to Know About Florida’s PIP Laws

Personal Injury Claims concept

Navigating Florida’s Personal Injury Protection (PIP) laws can be complex, but it’s crucial to understand your rights if you’ve been in a car accident. Hicks & Motto specializes in helping clients in Palm Beach County navigate PIP claims, ensuring you receive the compensation you deserve.

PIP provides immediate coverage for medical expenses and lost wages, regardless of fault, but filing a claim can be tricky due to strict timelines and insurance challenges. With a Personal Injury Protection (PIP) lawyer in Palm Beach County, we help manage your case from documentation to insurance negotiations.

What is PIP?

Personal Injury Protection (PIP) is a type of insurance coverage required for all drivers in the state of Florida. It covers medical expenses and lost wages up to a certain limit in the event of a car accident, regardless of who is at fault. This means that even if you caused the accident, you can still receive compensation for your injuries through your PIP coverage.

What Does PIP Cover?

PIP covers a variety of expenses related to a car accident, including:

  • Medical expenses
  • Lost wages
  • Funeral expenses
  • Replacement services (such as childcare or household chores)

How Much PIP Coverage Do I Have?

In Florida, the minimum PIP coverage required is $10,000. However, drivers can choose to purchase additional coverage for a higher limit. It is important to review your insurance policy to understand exactly how much PIP coverage you have.

Time Limit for Filing a PIP Claim

In Florida, you must seek medical treatment within 14 days of the accident to be eligible for PIP coverage. The clock is ticking, and timely action is crucial. Our team ensures that all paperwork is filed correctly and that you maximize the benefits under Florida’s PIP laws. Whether you’re dealing with medical bills, lost wages, or the complexities of the insurance system, Hicks & Motto is here to help.

Challenges with PIP Claims

While PIP is designed to provide quick and easy compensation for car accident injuries, the reality is that many claims are denied or undervalued. This can be due to various challenges, such as:

  • Insurance companies may try to minimize the severity of your injuries in order to pay out less
  • Delayed medical treatment can be used as a reason for denying a claim
  • Disputes over whether the injuries were caused by the car accident or a pre-existing condition
  • Insufficient documentation or evidence to support the claim

How a Personal Injury Protection (PIP) Lawyer Can Help

Navigating PIP laws and dealing with insurance companies can be complex and overwhelming, especially when you’re recovering from injuries. That’s where a Personal Injury Protection (PIP) lawyer in Palm Beach County can help. Here are some ways Hicks & Motto can assist you with your PIP claim:

  • Reviewing your insurance policy to ensure you have the proper coverage
  • Gathering and organizing necessary documentation and evidence to support your claim
  • Negotiating with insurance companies to ensure you receive the full compensation you are entitled to
  • Filing a lawsuit if your claim is denied or undervalued

Tips for a Successful PIP Claim

To increase your chances of a successful PIP claim, here are some important tips to keep in mind:

  • Seek medical treatment as soon as possible after the accident
  • Document all medical expenses and keep all receipts
  • Keep track of any missed work due to your injuries
  • Do not give a recorded statement to insurance companies without consulting with a lawyer first
  • Consult with a Personal Injury Protection (PIP) lawyer in Palm Beach County before accepting any settlement offers

Being injured in a car accident can be a traumatic and overwhelming experience. However, understanding Florida’s PIP laws and having a knowledgeable Personal Injury Protection (PIP) lawyer on your side can make all the difference in receiving the compensation you are entitled to. If you have been injured in a car crash, do not hesitate to contact us for a free consultation. We are here to help you navigate the complexities of PIP laws and fight for your rights. Don’t miss out on important tips and guidelines – reach out to us today.

The Importance of Hiring a Personal Injury Protection Attorney for Your Legal Needs

personal injury law

Personal injury protection, also known as PIP, is a type of insurance coverage that provides benefits for medical expenses, lost wages, and other expenses related to injuries sustained in a car accident. It is mandatory in some states, including Florida, and is designed to provide quick and efficient coverage for accident victims. However, navigating the legal process of obtaining PIP benefits can be complex and overwhelming, especially when dealing with insurance companies. This is where a personal injury protection attorney comes in. In this blog post, we will discuss the importance of hiring one and how they can help you with your legal needs.

What is a Personal Injury Protection Attorney?

A personal injury protection attorney is a legal professional who specializes in handling PIP claims and lawsuits. They have specific knowledge and experience in dealing with PIP laws and regulations, as well as the tactics used by insurance companies. They are dedicated to protecting the rights of accident victims and ensuring that they receive the full benefits they are entitled to under their PIP coverage.

The Benefits of Hiring a Personal Injury Protection Attorney

1. Knowledge and Expertise

Personal injury protection laws can be complex, and it takes a knowledgeable and experienced personal injury protection lawyer to understand and navigate them effectively. A PIP attorney has a deep understanding of these laws and can use their expertise to protect your rights and ensure that you receive the maximum benefits available to you.

2. Dealing with Insurance Companies

Insurance companies are notorious for using delay tactics, denying claims, and undervaluing the injuries and damages sustained by accident victims. A PIP attorney knows how to deal with these tactics and can negotiate with insurance companies on your behalf. They will ensure that you are not taken advantage of and that you receive fair compensation for your injuries and losses.

3. Gathering Evidence

To receive PIP benefits, you must provide evidence of your injuries and the expenses incurred as a result of the accident. This can include medical bills, lost wages, and other damages. They know how to gather and present this evidence to support your claim and increase your chances of receiving the full benefits you are entitled to.

4. Legal Representation

If your case goes to court, they can provide you with knowledgeable and skilled legal representation. They will handle all legal aspects of your case, including filing paperwork, representing you in court, and negotiating with the other party’s attorneys. This can alleviate the stress and burden of dealing with legal matters on your own, allowing you to focus on your recovery.

Why Choose Hicks & Motto for Your Personal Injury Protection Attorney Needs?

At Hicks & Motto , we understand the physical, emotional, and financial toll that a car accident can have on you and your loved ones. Our team is dedicated to helping accident victims like you receive the compensation and benefits they deserve. We have a deep understanding of PIP laws and regulations and have successfully represented numerous clients in obtaining their rightful benefits.

Contact Hicks & Motto for a Free Consultation

Hiring a a lawyer is essential for navigating the complex legal process of obtaining PIP benefits. They have the knowledge, expertise, and experience to help you receive the maximum compensation and benefits you are entitled to.

If you have been injured in a car accident and need help with your PIP claim, contact Hicks & Motto for a free consultation. We will review your case and provide you with the legal guidance and representation you need to fight for your rights. Our team is available 24/7 to answer your questions and address your concerns. Don’t wait, call us today at 561-944-7856 to schedule your free consultation.

Why You Need a Personal Injury Protection Attorney in Palm Beach Gardens, FL

women with personal injury case

Personal Injury Protection (PIP) is a type of insurance coverage that is required in Florida for all drivers. This coverage provides compensation for medical expenses, lost wages, and other damages resulting from a car accident, regardless of who is at fault. PIP is also known as “no-fault” insurance because it provides coverage regardless of who caused the accident. However, navigating the PIP claims process can be complex and overwhelming. That’s where a personal injury protection attorney comes in.

Why Hire a Personal Injury Protection Attorney?

When you’re involved in a car accident, the last thing you want to worry about is navigating the PIP claims process. Hiring a personal injury protection attorney can help alleviate this stress and ensure that you receive the compensation you deserve. Here are three reasons why you should hire Hicks & Motto, a trusted personal injury protection attorney in Palm Beach Gardens, FL.

Experience and Expertise

Navigating the PIP claims process requires extensive knowledge of Florida’s no-fault laws and insurance policies. At Hicks & Motto, our team of experienced attorneys has a deep understanding of these laws and policies, and we use this knowledge to our clients’ advantage. We have successfully handled numerous PIP claims and have a proven track record of obtaining maximum compensation for our clients.

Personalized Attention

At Hicks & Motto, we understand that every case is unique, and we treat each client with the individual attention they deserve. When you hire us as your personal injury protection attorney, we will work closely with you to understand the specifics of your case and develop a personalized strategy to ensure that you receive the compensation you deserve. Our team is dedicated to providing exceptional client service and will keep you informed every step of the way.

Maximize Your Compensation

Insurance companies are notorious for undervaluing or even denying PIP claims. At Hicks & Motto, we have the experience and resources to negotiate with insurance companies and fight for the compensation you deserve. We understand the tactics that insurance companies use to minimize payouts, and we will work tirelessly to ensure that you receive the maximum compensation for your injuries and damages.

Frequently Asked Questions About Hiring a Personal Injury Protection Attorney

Do I really need a personal injury protection attorney for a car accident in Florida?

While it’s not legally required, hiring a personal injury protection attorney can greatly benefit your case. Navigating the PIP claims process can be complex and overwhelming, especially if you’re dealing with injuries and other damages from the accident. An experienced attorney can help you understand your rights and maximize your compensation.

How much does it cost to hire a personal injury protection attorney?

At Hicks & Motto, we work on a contingency fee basis, which means we only get paid if we win your case. Our fee is a percentage of the compensation we obtain for you, so you don’t have to worry about any upfront costs. We also offer free consultations, so you can discuss your case with us and determine if we are the right fit for you.

Contact Hicks & Motto for Your Personal Injury Protection Needs

If you’ve been involved in a car accident and need assistance with your PIP claim, don’t hesitate to contact Hicks & Motto. Our team of experienced attorneys is dedicated to helping clients in Palm Beach Gardens, FL, and the surrounding areas receive the compensation they deserve. Call us at 561-944-7856 for a free consultation. Let us handle the legalities while you focus on your recovery. Trust us to be your personal injury protection attorney in Palm Beach Gardens, FL.

Navigating Personal Injury Protection (PIP) Claims in Florida

Personal Injury Protection written on the piece of paper.

Personal Injury Protection (PIP) claims are a type of claim that can be filed in the state of Florida when an individual has been injured due to the negligence of another. The Personal Injury Protection (PIP) claim process can be complicated and time-consuming, so it is important to have a qualified and experienced Florida personal injury lawyer to help you navigate the process. The attorneys at Hicks & Motto are experienced in helping individuals secure the rightful compensation they deserve from Personal Injury Protection (PIP) claims in Florida.

 

What is Personal Injury Protection (PIP) in Florida?

Personal Injury Protection (PIP) is an insurance policy that covers medical costs and lost wages associated with an injury caused by another. It is an important part of the Florida auto insurance system and is required by law for all drivers in the state. It is designed to provide financial protection to those injured in a car accident. However, filing a PIP claim can be a complicated process, and it is important to have a qualified attorney to help you obtain the compensation you deserve.

 

What Does Personal Injury Protection (PIP) Cover?

Personal Injury Protection (PIP) covers medical expenses and lost wages for an individual who has been injured in a car accident due to another’s negligence. It also covers the cost of rehabilitation, such as physical therapy, and lost wages associated with missed work due to the injury. It is important to remember that PIP coverage is limited, so you should contact a qualified attorney to help you secure the compensation you deserve.

 

How Do I File a Personal Injury Protection (PIP) Claim?

Filing a Personal Injury Protection (PIP) claim can be a daunting process. It is important to file your claim as soon as possible after the car accident. The first step in filing a PIP claim is to collect all relevant evidence, including medical records, witness statements, and police reports. After gathering the necessary evidence, you will need to contact your insurance company and file a claim. Your insurance company will then review your claim and decide whether or not to approve it.

 

What Should I Do If My Personal Injury Protection (PIP) Claim is Denied?

If your Personal Injury Protection (PIP) claim is denied, it is important to contact a qualified Florida personal injury lawyer as soon as possible to help you navigate the appeals process. The attorneys at Hicks & Motto are experienced in helping individuals secure the rightful compensation they deserve from PIP claims in Florida. We will work diligently to ensure that you receive the compensation you are entitled to.

 

Secure Your Rightful Compensation with The Expert Legal Advice from Hicks & Motto

At Hicks & Motto, we understand how important it is to secure the rightful compensation you are entitled to from Personal Injury Protection (PIP) claims in Florida. Our experienced Florida personal injury lawyers will work diligently to ensure that you receive the compensation you deserve. We are committed to providing you with the highest quality legal advice and representation. Whether you have been injured in a car accident, a motorcycle accident, or a wrongful death, our experienced attorneys will fight for your rights. Contact Hicks & Motto today to learn more about how we can help you with your PIP claim.

Safe Cycling in Unsafe Times

bicycle accident-hicks and motto

With school back in session, the number of bicycles sharing the road with automobiles dramatically increases, and we’re reminded to be extra careful. Soon, South Florida’s weather may actually grow cooler, and even more cyclists will be hitting the road.

The United States Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) reports there were 783 bicyclists killed in traffic crashes in the United States in 2017 (its most recent data). No surprise – a car vs. bicycle crash almost always leaves the cyclist injured.

The most troubling part of that statistic is that Florida leads the country in the number of fatal bicycle crashes, accounting for 125 of those 783.

There are two main types of crashes: the most common — falls, and the most serious – those involving cars.

There are things you can do to decrease the risk of a crash.

  • Regardless of the season, bicyclist deaths occurred most often between 6 p.m. and 9 p.m.
  • Bicyclist deaths were 8 times higher for males than females in 2017.
  • Alcohol was involved in 37% of all fatal bicyclist crashes in 2017.
  • Bicyclist deaths occur most often in urban areas (75%) compared to rural areas (25%) in 2017.
  • Ride responsibly and remember: All states require bicyclists on the roadway to follow the same rules and responsibilities as motorists.

Here’s a quick list of what to do in case of a bicycle accident:

  1. Check yourself – do a cursory and visual search of your person to determine if you have sustained any injuries that need immediate attention. If necessary, call an ambulance. Do not be a hero!
  2. Assist the injured – check with each person involved in the accident to see if they have been hurt. If necessary, call an ambulance.
  3. Call the police!
  4. Gather as much information as you can – take pictures of the scene; document the make, model, and license plate of the offending vehicle; gather the vehicle’s driver information including name, address, phone number, license number, and insurance information.
  5. Do not admit fault – your comments made in the tension and excitement of the moment may not be accurate! Wait for all the facts, and consult an attorney before admitting to responsibility, especially if you received a traffic ticket.
  6. Obtain witness information – write down the names and addresses of all the witnesses or involved parties to your accident. Don’t forget any passengers from the vehicles. Ask the witnesses what they observed.
  7. See a doctor – serious injuries do not always show immediate symptoms. It is smart to have your doctor, or an emergency room doctor, examine you as soon as possible. PIP laws require you to see a Medical Doctor within the first 14 days after your accident.
  8. Bicycle Repair – take your bicycle to a reputable shop with skilled mechanics to evaluate the damage.
  9. Tickets – don’t admit fault even if you are given a citation. The police officer is only giving his or her opinion of what happened. The ticket itself may not affect your case.
  10. CALL HICKS & MOTTO at (561) 683-2300 – Be sure after your accident you contact your law firm right away. A lawyer can give you advice and help you through the process whether you are at fault or not.

Car Insurance: Get the Right Coverage!

auto accident

If you own a motor vehicle which is registered in the State of Florida, you are required to have certain types of coverage, namely Property Damage and Personal Injury Protection. If you have only these two types of coverage, you have what is mandated by the State. You do not have “full coverage.” Many people mistakenly assume that if they carry the required coverage, that is all they need – nothing could be further from the truth!

At Hicks & Motto, we can’t begin to tell you how many injured people have come into our office in the last 25 years after having been in an automobile accident and thinking they have “full coverage,” since they have the coverage which the State requires all automobile owners to have. It is heartbreaking to tell them that they actually have no insurance coverage which will pay them in the event they need to be off work for an extended period of time, or that will pay their medical bills for extended hospitalization or surgeries.

There are two additional types of coverage which are, in my opinion, extremely important to purchase. The first of these is called Bodily Injury Liability (“BI”) coverage. That coverage is designed to protect your personal assets in the event you cause or contribute to an automobile accident. For example, if you are involved in an automobile accident which is totally or partially your fault, and anyone is injured, the injured party or parties can sue you. This is the case if you are driving the automobile or if you own the automobile which is involved in the accident.

If you don’t have BI coverage and the injured person or persons obtain a judgment against you for damages they sustained on account of your negligence, your personal assets can be in serious jeopardy. Further, you will either have to defend yourself in court or hire an attorney at your own expense to do so. If, on the other hand, you had purchased Bodily Injury Liability coverage, your insurance company will not only provide an attorney on your behalf, but they will also pay the injured parties’ damages up to the limits of your coverage.

If the driver who caused the accident does not carry BI coverage and you are seriously injured, you may have no recourse against that driver, unless they have sufficient personal assets against which you can collect a judgment. So, how do you protect yourself in that situation? Uninsured (or underinsured) Motorist coverage, called “UM” for short, is the answer. If you have UM coverage, your own insurance company will pay you for your damages if the at-fault driver either doesn’t have Bodily Injury Liability coverage, or doesn’t have sufficient coverage to adequately pay all of your damages. UM is very valuable coverage to have – IT PROTECTS YOU.

In addition to discussing Bodily Injury Liability and UM coverage with your insurance agent, be sure to also ask them to review your current policy to be sure you are carrying adequate Property Damage coverage. In this day and age, when many vehicles on the road are worth $50,000 or more, you need to be sure you have enough Property Damage insurance. Also, carefully look at your Personal Injury Protection (PIP) coverage and Medical Payments coverage. In my experience, for just pennies a month, you can increase your Medical Payments coverage to the maximum allowed by law. Make sure you understand what it means if you have a deductible on your PIP and ask how much it would cost to remove that deductible.

If you are involved in an auto accident, call Hicks & Motto, P.A. for a free consultation.

Annual Medical Costs Related to Bicycle Accidents Soar Into the Billions

Bicycle accidents are on the rise

A study published this week in the journal, Injury Prevention, estimates that from 1997 to 2013, the medical costs for non-fatal bicycle crashes involving adults increased by an average of $789 million each year. In 2013 alone, total costs were $24.4 billion – about double the amount for all occupational illnesses, the researchers wrote. Those figures cover emergency transport, hospital charges, rehabilitation, nursing home stays, the cost of lost work, and quality of life, among other things.

The rising costs can be partially explained by how bike crashes have changed in recent years, according to Thomas W. Gaither, one of the study’s authors. In the past, there were many “non-street” incidents, but these days most involving adults are crashes with motor vehicles. In 1997, 46 percent of injuries occurred on a street, while in 2014, nearly 67 percent did. This increases, “the velocity of the crash impact and, as a result, the severity of the injury,” Gaither explained. He and the other researchers also suggested that, “streets might also predispose to more injuries due to the coexisting environment with urban areas, increased population density, or the presence of more unyielding street furniture” (meaning things such as telephone polls, fire hydrants, parking meters, and the like).

Despite the bad news about the medical and cost consequences, the researchers said they still thought cycling’s health benefits outweighed its risks. But they concluded the study findings show that there should be a policy focus on injury prevention, adding that better design of roadway infrastructure, and even of bikes and cars, might be in order.

Legal rights are affected by an accident, and it is in your best interest to have a knowledgeable attorney review the facts of your case before you decide what course of action to pursue. An attorney can negotiate a replacement bicycle and/or compensation for damage to your bicycle, and negotiate a bodily injury settlement with the insurance company that takes into account all of your damages, including your pain and suffering. You can learn about all your legal rights and speak directly with an attorney for a free consultation with Hicks & Motto.

Here’s a quick list of what to do in case of a bicycle accident:

  1. Check yourself – do a cursory and visual search of your person to determine if you have sustained any injuries that need immediate attention. If necessary, call an ambulance. Do not be a hero!
  2. Assist the injured – check with each person involved in the accident to see if they have been hurt. If necessary, call an ambulance.
  3. Call the Police!
  4. Gather as much information as you can – take pictures of the scene; document the make, model, and license plate of the offending vehicle; gather the vehicle’s driver information including name, address, phone number, license number, and insurance information.
  5. Do not admit fault – your comments made in the tension and excitement of the moment may not be accurate! Wait for all the facts, and consult an attorney before admitting to responsibility, especially if you received a traffic ticket.
  6. Obtain witness information – write down the names and addresses of all the witnesses or involved parties to your accident. Don’t forget any passengers of the vehicles. Ask the witnesses what they observed.
  7. See a doctor – serious injuries do not always show immediate symptoms. It is smart to have your doctor or an emergency room doctor examine you as soon as possible. With the recent PIP law changes, you need to see a Medical Doctor within the first 14 days after your accident.
  8. Bicycle Repair – take you bicycle to a reputable shop with skilled mechanics to evaluate the damage.
  9. Tickets – don’t admit fault even if you are given a citation. The police officer is only giving his or her opinion of what happened. The ticket itself does not affect your case.
  10. CALL HICKS & MOTTO – Be sure after your accident you contact your law firm right away. A lawyer can give you advice, and help you through the process whether you are at fault or not.

The Florida Supreme Court Issues Key PIP Ruling

On July 3, 2013, the Florida Supreme Court issued an opinion in GEICO v. Virtual Imaging Services, Inc., that under the 2008 amendments to the Florida PIP statute, a PIP insurer cannot take advantage of the Medicare fee schedules to limit reimbursements to providers without notifying its insured by electing those fee schedules in its policy. Because the policy, in that case, did not reference the permissive method of calculation based on the Medicare fee schedules, GEICO could not limit its reimbursement based on those fee schedules. Hicks & Motto has extensive experience in PIP litigation and can assist your medical practice or facility in seeking proper compensation for treatment rendered to an injured person under PIP.

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