Commonly Used Terms in Auto Accident Cases- Part 5
Maximum Medical Improvement Commonly known as “MMI”. Maximum medical improvement is a medical term that means that you have been helped as much as medicine can help you. Thus, while you may not get any better, it does not mean that you need to stop your treatment, nor does it mean that your pain will
Commonly Used Terms in Auto Accident Cases- Part 4
Exhausted Benefits This is a term commonly used which signifies that a portion of your policies limit has been reached. For example: if your limits under the PIP portion of your policy is $10,000.00, once that amount is paid by your insurance carrier, then your PIP benefits are exhausted. Your insurance company is then no
Commonly Used Terms in Auto Accident Cases- Part 3
Personal Injury Protection This is commonly referred to as “PIP”. This is a form of insurance which is mandatory in many states; however, not all states require this type of coverage. PIP guarantees that the person that purchases this type of coverage that a certain amount of their medical bills will be paid regardless of
Commonly Used Terms in Auto Accident Cases- Part 2
Insured The person covered under an automobile insurance policy. In a different context, this more broadly applies to anyone covered under any type of insurance policy, but since this blog is dealing with auto accidents, I am using all terms in the context on automobile policy. Tortfeasor Tortfeasor is someone who, by their own negligence,
Commonly Used Terms in Auto Accident Cases- Part 1
Bodily Injury Coverage Bodily Injury Coverage is part of your auto insurance policy that you purchase that protects you in case you accidentally injured someone while driving an automobile. This is commonly referred to as “BI” coverage. Property Damage Coverage Property Damage Coverage is part of your auto insurance policy that you purchase that covers
PIP Coverage & Lost Wages- Part 3
One of the things that we do here at Christopher Ligori & Associates to assist our clients in claiming their lost wages, is to call the PIP carrier and have the carrier set aside a certain amount of your PIP coverage to cover the lost wages. If that is not done timely, then all of
PIP Coverage & Lost Wages- Part 2
It is very important to note when you are seeking lost wages from your PIP coverage that once the form is submitted to us, we immediately forward it over to the insurance company who then has thirty (30) days to pay your lost wages. Because of this delay, it is very important if you have
PIP Coverage & Lost Wages
One of the most devastating aspects, when someone is in a car crash, is missing time from work. Many people live paycheck to paycheck and can’t even afford to miss a day or even a 1/2 day from work without their family suffering. One of the most painful things for someone to have to endure
PIP Law Change Reminder
I wanted to remind everyone that Florida’s Personal Injury Protection, PIP, laws have changed beginning January 1, 2013. These changes will affect every driver or passenger that rides on the roads or highways in Florida. The following requirements of Florida’s new Personal Injury Protection (PIP) laws: You must seek treatment with in the first 14
