Article: Florida Medical Payment Insurance: What Is It?
Florida medical payment and bodily injury insurance have been the topic of conversation lately as the Florida legislature redefines personal injury protection (PIP) insurance. Brian Labovick, a car accident attorney in South Florida who specializes in auto accident cases, explains the terms:
Bodily injury insurance: how Florida differs from other states
Bodily injury insurance is that insurance that you buy (as a driver) that if you hurt somebody, will pay that person for their future pain and suffering. According to Labovick:
We asked Labovick to provide an example of how bodily injury insurance works. He explained, “God forbid that you run into somebody at 80 miles an hour and you break their arm and puncture a lung and they need an operation, you have probably permanently injured that person. They can get over that threshold and sue you. This insurance (bodily injury) will protect you from that and will pay that person whatever the amount of the coverage is, up to it, to protect you from a lawsuit.”
“Let’s say you bought $100,000 of insurance and that person is injured—broke a leg—and your insurance agent will adjust that claim and pay that person, hypothetically, $35,000 and the claim will go away. You won’t get sued.”
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