The reason I ask this is because I deal with progressive claims and some people are suckered into their low rates because they deceptively get customers to waive their rights to PIP (personal injury protection.) They give people an ,000 PIP deductible. That means the ,000 that auto insurance is responsible to pay when you get into an auto accident has to come out of your pocket. So I ask that question to see if anyone else has any horror stories about Flo and her awesome company.

My son was involved in a single vehicle motor vehicle accident and he was treated and released from our local hospital. The insurance adjustor called a couple of days ago and she is sending us some paperwork to fill out on the PIP-personal injury protection. I realize this does cover medical bills and lost wages, but does it cover any lost items such as tools or his tool box? Any help will be appreciated.

Hi,

Which option of these auto coverages can i buy along with the basic liability coverage, the medical expense or personal injury protection? Anyway, i live in Texas.

I ever heard if i am not wrong, we can’t buy the medical expense option if we just buy the basic liability coverage. But anyway, i am not sure about that. And also somehow, i am not sure which one is better to buy the medical expense option or PIP option? So far, my current auto insurance has the PIP coverage for ,000. But, i don’t really know that will be worth it when i need it. Any thoughts?

Any help? Thanks.

1. Other car was south bound, lost control and crossed the 101 divider and hit my north bound car.
2. Other driver was killed instantly. He had no insurance and a suspended license. Police report hasn’t been released yet but driver may have been drunk. Insurance was cancelled in March when license was suspended. Does lien holder on car have any liablity? How do I find out if at-fault driver has assets?
3. I was the passenger in a friend’s car. I sustained minor injuries but spent a night in the hospital for testing and observation. Medical bills will be in excess of K between ambulance, ER, doctor bills, CAT scans, etc.
4. Friend’s insurance has k/k uninsured motorist coverage.
5. My auto insurance has 00 PIP and my underinsured policy may cover the additional difference. I’m in TX.
6. I don’t want to get stuck with this bill. Already, the hospital and ambulance company are calling and sending me bills.

Any advice on how to proceed.

Thanks.

I injured two discs and a rib last year in a car wreck that happened here in Florida. It’s a no fault state and everyone is required to carry their own PIP (Personal Injury Protection policy) to cover their own medical bills. The driver at fault pays for the others car and then usually will settle with the remainder that the PIP did not cover. I am tapped out on my PIP limit and now must decide what course of action I must take in order not to have to drain my savings to pay for my con’t treatment. My health insurance is paying its allowance but Im worried this will have an effect on my premium. Anyone have experience in this area?

One year and a half ago I was injured (neck disc injury) in an auto accident. Other person was at fault and cited. I have never, pursued a claim and thought them frivolous and/or exaggerated UNTIL IT HAPPENED TO ME. I was injured without personal medical or PIP on my auto insurance and I had no option but to get a lawyer after a trip to the ER.

Injury didn’t require surgery but lawyer cancelled my 00 steroid shot into my neck, the day of the appointment, to ensure insurance of faulty driver was going to pay it. So I went from Oxycotin for pain to Ibuprofen while they resolve issues.

It’s been over a year since that pain shot was scheduled and canceled. I’m sure it can be a very broad range, but does anyone have a idea what I can expect time wise? This whole thing has been a nightmare and I was just on my way to work one morning.

I was in a car accident and I have a lawyer that has received the check from the insurance company , I asked that he pay the doctor with it..He said he has the check but he is redirected PIP reserved for lost wages. I didn’t have a job..Legally can I demand him to pay the Dr. or do I have know rights when it comes to that. This lawyer is not a very good lawyer but this was new to me and he half the time doesn’t even call me back. Please advise what I should do and if I can demand he pay the Dr.
Let me add some additional information..My lawyer has received ,400.00 he says he is withholding pip (personal injury protection) so when the case settles he can see if the dr will take less or a payoff amount, and then he will release the money. I was told he has done this with other clients to get more money out of it for him. I want to know if he has received that much money can I demand him to pay the Dr. Fees now. Hope that clarifies alittle more

I was in a car accident in December. The police placed me at fault, and I have requested a court date to contest the ticket. (The cop actually told me that he had to give a ticket because the other party claimed pain so that the injury could be documented). My insurance company called me today to tell me that the other party has obtained a lawyer to pursue an injury claim. I have also been seeing a doctor for treatment. I am in a no-fault PIP state. Do I need to hire a lawyer to handle the ticket and/or the personal injury, or will my insurance company represent me for the personal injury part of this ordeal?
I was told about the lawyer hire by MY insurance company. I have not received anything from the other party’s attorney (yet).

I would like to know that if your in a car accident after you pip is exhausted can your lawyer have the other insurer pip cover your medical expenses. Also on most insurance policies isn’t the bodily injury coverage any where 100,000 and 300,000. The reason for this question is my insurance company wants me to pay for my shoulder surgery out of my settlement.

So I had an accident where another person hit me from the rear. My hubby and I both sustained injuries and are currently going to physical therapy. Also have other medical bills such as xrays, ER visits, and doctor office visits. I called an attorney and they immediately wanted to help me with my case and sign us on as clients. I know that my PIP coverage will cover up to 2500/person….but my lawyer thinks he can get money for pain and suffering, my medical bills, and my husband not being able to perform his job like he used too(he is a truck driver now w/ a knee injury). My kids thank god were okay and unharmed. I am also experiences alot of anxiety when I drive now due to the fact that auto accidents are one of my biggest fears. I really dnt want to have to pay a lawyer a percentage of my settlement bc I’ve heard of people handling the negotiations w/ the insurance company themselves. What is the first thing I should do to handle this on my own?? If I call them how would I negotiate something w/ them. Especially not knowing how long the physical therapy is going to last. Where do I begin and what should I say to them?? Thanks in advance! This is all new to me.
I have NOT officially signed the papers w/ a lawyer yet….that’s why Im not asking him/her….and of course if Im injured and in a accident that i was not at fault any lawyer is gonna want to represent me…..there is obviously money involved now…..
NO smart asses please….the lawyer I consulted with…not "my lawyer" there…

Next week, I’ll be switching to another auto insurance. My previous limits with another company were:

-minimum MD state 20/40/15 for Bodily Injury, Uninsured Motorist, and property damage
-PIP 00
-250/500 for Comprehensive/Collision, had road service, towing, and rental.
I don’t have many assets. I’m a renter and I live from paycheck to paycheck. I have no accidents, no tickets, and no violations for the last 8 years. I’m a cautious driver. I drive a 2003 Honda Civic.
The new insurance company is offering me 9/year for the limits 100/300/100 Bodily Injury Liability and matching for Uninsured Motorist + Property Damage, 250/500 for Comp/Coll, road service, towing, and rentals, PIP 2500.
I’ve seen different answers that say 100/300/100 would be better for those who own a house and have a better income.
What do you think is a recommended coverage going?

i was rearended, the guy only had liability insurance. bodily INJURY WAS MORE THAN POLICY LIMITS. MY AUTO INSURANCE EXHAUSTED PIP LIMITS. I HAD TO HAVE AN ANTERIOR CERVICAL FUSION. DOES THIS ALL GET PAID FOR AS WELL AS REIMBURSEMENT FOR MISSED WORK, AND OUT OF POCKET EXPENSES AND VEHICLE DAMAGES AND PAIN/SUFFERING/INCONVENIENCE?

I was driving my in laws truck when I was hit from behind. I filed a claim for medical under my mother in laws personal injury protection (PIP). If I used the maximum 00 does that leave my mother in law without PIP if she is in a wreck?