Providence, RI (PRWEB) September 13, 2012
Rhode Island “snowbirds” injured in a car accident should be aware of restrictive changes to Florida’s Personal Injury Protection (“PIP”) laws.
According to prominent Providence personal injury lawyer Mike Bottaro, these changes could hurt Florida residents injured in a Rhode Island car accident. “The Florida PIP changes are significant and could certainly affect those Rhode Islanders who split their time between Florida and Rhode Island,” said Attorney Bottaro.
Since the 1970s, Florida has required its motorists to purchase PIP benefits through their own auto insurance. The rationale for PIP (similar to Massachusetts’ system for personal injury protection after a Mass. car accident) is that regardless of fault, there was $10,000.00 in available coverage for some medical expenses and wage loss from the car accident.
But effective January 1, 2013, Florida has enacted restrictive changes to PIP. Some of these changes include: requiring that the initial medical treatment occur within 14 days, limitations on follow-up medical treatment, limiting $10,000.00 coverage for expenses for the defined term “emergency medical condition,” eliminating coverage for massage therapy and acupuncture, and limiting chiropractic coverage to $2,500.00.
“The changes made to Florida PIP are designed to unfairly reduce the insurance coverage available to those who purchase Florida auto insurance,” Attorney Bottaro explained. “This means that those with Florida PIP coverage who are injured in a Rhode Island car accident may now have less coverage.”
About Attorney Mike Bottaro
Attorney Mike Bottaro is an AV rated Rhode Island personal injury lawyer and founder of The Bottaro Law Firm, LLC, a Rhode Island personal injury law firm dedicated to protecting consumer rights. If you have Florida PIP coverage and are injured in a Rhode Island car accident, it is now more important than ever to consult with an experienced RI personal injury lawyer.