I met a new client last week who wondered how her bills would get paid and if she  would  have to pay one-third of her PIP benefits to me for attorneys for fees.

I have some great news for you.  Florida law requires what is known as Personal Injury Protection (PIP).  It is a mandatory part of every auto policy.  As the insured you have the right to choose how to spend your PIP.  PIP can  be used to pay accident related injuries or your lost wages of up to  $10,000. It allows you to pick the doctor  of your choice.  It allows you to use the benefits for cleaning your house or yard work if your doctor says you cannot do those things.  If you have Medical Payments (MedPay) coverage on top of the PIP,  it will also pay another $5,000 towards medical bills.

I told her I do not charge a fee on her PIP and Medpay  benefits.  Let me repeat:   I do not charge a  1/3rd cut of the $10,000 in PIP benefits or $5,000 in Medpay coverage.  I do not deduct anything at all from PIP coverage and Medpay coverage when I handle your file.

Some clients do not have major medical and Medicaid pays their bills above the PIP.  Medicaid has a lien and is entitled to get its money back from any liability settlement.  It takes months to get Medicaid to tell me how much it is owed so I start early getting its information.

Some clients have major medical insurance on top of their PIP.  If medical bills are high enough to use up all of their PIP insurance then the major medical kicks in.

After discussing this with her she was glad to know what would be paid by PIP and Medpay, and that I do not charge a 1/3rd fee for getting those benefits paid.

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