by renditioner » Sat Aug 16, 2008 06:13 am
Hi people, What is the difference between personal injury protection and bodily injury protection .I did a bit of googling and found out that PIP pays for the medical expenses of the insured along with others who were in the same vehicle and also any other pedistrians who might be injured in the accident ..Bodily injury protection provides for injury to other people other than the insured ? Am I right ? If so PIP which provides a wholesome coverage is better than Bodily injury insurance and would be the better option to go ? If I am wrong in what context BI is better than PIP ? and where it will actually come to help ?
Posted: Fri Jun 25, 2010 12:28 am Post Subject:
It's really (IMO) a screwed up system in Florida, you don't have to carry BI to license a car, but you must be financially responsible IF you are at fault for an accident... who thought this up?
I agree 100%... but I can also say that you won't find many people, agents included, that even know BI is not mandatory. You probably also won't find many (any) carriers what will write a policy without BI.I also worked as a temp at a company that did not write PIP (which _is_ mandatory in FL). But what happened was the agent had to write it with another company.
Posted: Fri Jun 25, 2010 02:04 am Post Subject:
Lori...WOW! Wasn't aware...there was legislation before the Florida legislature a couple of months ago that was to do away with this ridiculous set of rules. Evidently it didn't pass, or Florida's DMV is screwed up and is behind the times and hasn't updated their site...
All I can say is....you gotta be kidding. A strange version of financial responsibility, huh?
InsTeacher 8)
Posted: Fri Jun 25, 2010 03:40 am Post Subject:
All I can say is....you gotta be kidding. A strange version of financial responsibility, huh?
I'd say no more odd then the 2 or 3 states that don't require any insurance or MI's PD no-fault.Posted: Fri Jun 25, 2010 11:05 am Post Subject:
All I can say is....you gotta be kidding. A strange version of financial responsibility, huh?
I KNOW! First time I heard this, I thought, well that person is mistaken..then checked it out and could NOT believe ANY state didn't require BI coverage right along with PD to license a vehicle...but Flordia, didn't think so...whoever came up with this was smokin' something (IMO)...maybe they think since their PIP is manditiory that will handle the bulk of any injurys, crazy man, just plain crazy.I'd say no more odd then the 2 or 3 states that don't require any insurance or MI's PD no-fault.
Ok Todd, save me the trouble, :wink: what is different about MI's no-fault? Any states that don't require 'insurance' (like mine) still have financial responsibility laws though right? or are you saying there is a state or two that require 'nothing'?Posted: Fri Jun 25, 2010 02:35 pm Post Subject:
what is different about MI's no-fault?
It applies to property damage. Depending on what type of coverage the damaged party took, they can only collect up to their deductible amount from the tortfeasor. MI also pretty much has unlimited PIP (not as unusual).Posted: Fri Jun 25, 2010 11:13 pm Post Subject:
well that is a mite odd now isn't it? I'll have to to ck their DOI site, when I got some free time..yeah right 'free' time what's that? :lol: Thanks Todd
Posted: Thu Oct 20, 2011 08:15 pm Post Subject: bi not required in florida
yes, sure enough BIi is not required in florida but if you are unfortunate enough to get into an accident they can and do suspend your license for not having it ???? All this after requesting full coverage (of which I assumed coming from NYS BI was included) from an Insurance broker ....lesson #2 never buy insurance from a broker
Posted: Mon Mar 25, 2013 01:48 pm Post Subject: BI vs PIP
I understood everything above, but the posts do not explain, which one supersedes (BI or PIP)? For example, if my car gets hit by another car and the other person is confirmed to be at fault, which coverage coves my medical bills and how is this decided? This is important because with the PIP I have deductibels, and the BI is the other person's coverage, so there are no deductibles for me.
Posted: Tue Mar 26, 2013 04:43 am Post Subject:
It would have been helpful if you mentioned the state in which this question is being asked. If you are in a true no-fault state PIP is primary. Regardless, if there are deductibles involved, those are the responsibility of the at-fault party, and you could be forced to sue them in small claims court in order to recover the deductibles you absorbed.
Posted: Tue Nov 12, 2013 08:46 pm Post Subject:
What happens if I got PIP but no BI?
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