PIP &Tort exception

PIP &Tort exception

by Deleted user -
Number of replies: 4

I know I'm flooding the forum but it makes me feel better the idea that it helps others too.

If PIP pays a percentage of the economic loss(ie. 80% for medical), and the tort exception protects the insured up the amount paid by PIP...does this mean that the at-fault part will be always liable for the other 20%(leaving deductibles out of the equation for sake of simplicity)

 

 

In reply to Deleted user

Re: PIP &Tort exception

by Stephanie Tirado -
The additional 20% will be coverages by the insure if the insured elects the additional meds pay which that would cover the remaining 20% which pip does not cover
In reply to Deleted user

Re: PIP &Tort exception

by Jan Bradburn- -

Allende,

First of all, Tort Exception only pays non-economic loss once the threshold has been pierced".

Medical damages is excess of the 80% PIP payout are covered by: Med Pay, the at-fault driver's liability, UM, or health insurance - usually in that order.

 

Jan

In reply to Jan Bradburn-

Re: PIP &Tort exception

by Deleted user -

Thank you both!...so let me summarise what I think I understand here. I'll put in in bullets just in case I have one of the concepts wrong you can single it out:

  • As PIP only covers 80% of the medical damages of the insured, there will always something extra that needs to come from somewhere else
  • The extra money can come from:
    • If the accident happens in a vehicle owned by the insured: Med Pay(if purchased), PAP of the At-fault, UM(if purchased)
    • If the accident happens in a on-owned auto, Med Pay would cover after all others

Are my assumptions correct?

 

In reply to Deleted user

Re: PIP &Tort exception

by Jan Bradburn- -

PIP covers 80% medical expenses in any vehicle in the state of FL.  It also covers 80% of medical expenses in an owned vehicle outside of the state.

Just to clarify your last bullet point - If an accident occurs in a non-owned vehicle anywhere in the state of FL, the insured PIP pays 80% of medical expenses. PIP is primary and Med Pay, at-fault driver's liability and UM are secondary.

Jan