Personal Injury Protection (PIP) Insurance Explained
PIP or no-fault insurance covers medical expenses and other damages from a motor vehicle accident, regardless of fault. In Florida, PIP is mandatory.
Challenges with Insurance Companies
Ideally, insurance companies would handle claims swiftly and fairly, but they often need to do more to protect their profits. Hiring an attorney who understands PIP can help you recover what you’re owed.
Florida’s PIP Requirements
Florida law requires all registered vehicles to carry at least $10,000 in PIP coverage. This covers the policyholder and can extend to the entire household.
Coverage Details
PIP insurance in Florida provides up to $10,000, covering:
- 80% of medical costs
- 60% of lost wages
- Prescription costs
- Surgical treatments
- Ambulance fees
- Home and pet care
- Funeral costs
You can still pursue additional compensation from the at-fault driver for expenses not covered by PIP.
Filing a PIP Claim
- Report the accident to your insurance company.
- Confirm PIP coverage with your insurer.
- Obtain your claim number and contact information.
- Communicate with the insurance adjuster.
- Fill out the PIP application, salary verification form, and physician’s report.
- Submit the completed forms to your adjuster.
- Provide healthcare providers with your claim details.
- Authorize direct billing to PIP.
Time Limits
You must seek medical treatment within 14 days of the accident to qualify for PIP benefits. Prompt medical attention is essential.
Medical Costs Covered
PIP covers:
- Medical services
- Pharmaceuticals
- Surgery
- Rehabilitation
- Diagnostic tests
- EMS care
PIP does not cover massage therapy or acupuncture. It covers 80% of medical bills, with the remaining 20% as your copay.
Lost Wages
PIP covers 60% of lost wages up to the $10,000 limit. It may also cover home care expenses due to injuries.
Death Benefits
PIP provides up to $5,000 for funeral and burial expenses if the policyholder is killed in an accident.
Multiple Accidents
PIP benefits reset with each new accident.
Filing a Lawsuit
If your damages exceed $10,000 or you suffer a permanent injury, you can file a personal injury claim against the negligent driver. Consult with an experienced attorney in Florida for guidance.
The information provided on this page is for informational purposes only and does not constitute legal advice or create an attorney-client relationship. Please contact a licensed attorney to discuss the facts and circumstances of your case.