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As we have discussed previously, drivers in Florida should all have at least $10,000 in personal injury protection (PIP) coverage under the law. This policy is meant to cover medical bills and lost income incurred by injured auto accident victims. If you have a PIP policy and pay your premiums as expected, you may believe that all you must do is simply call in a claim and get the benefits promised under your policy. Unfortunately, the process is not so easy since your insurer will expect you to provide proof of the losses for which you are seeking compensation.

Your insurer will certainly not simply trust the amount of losses that you state you incurred from an accident. An insurance company is first and foremost a business and will not be willing to make payouts when they are not absolutely necessary under a particular policy. Therefore, you can be sure that your insurer will want evidence to support all of the benefits you seek.

Documents You May Need

Your insurance adjuster will want to see records to support your claims, which can initially include medical bills and pay stubs to show the costs of your treatment and the time you missed from work, as well as the wages you would have earned during that time.

Your documentation can become more complicated, however, if your insurance company questions whether you truly needed certain treatments or whether you were actually unable to work during that time. In such cases, you may need notes from your doctor, medical records, opinions from medical or occupational experts, and more. It can be difficult to know exactly what is necessary to prove your claim in your specific case and an experienced PIP attorney can help you prove your claim.


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