PIP insurance coverage Florida is a required part of every auto insurance policy in the state. It is designed to help you receive fast medical treatment after an accident without waiting for the insurance companies to argue about who is responsible.
In simple words:
PIP pays for your injuries after a car accident, even if you caused the accident.
PIP does not replace health insurance, and it does not fix your car. It only coversinjuries and personal losses that happen because of the accident.
What makes PIP different from other insurance coverages is its “no-fault” nature. Whether the crash was your mistake or someone else’s, PIP helps you immediately.
So, PIP works like yourfirst layer of protection after an accident.
Relation Between No-Fault State and PIP Coverage in Florida
Florida is known as ano-fault state. This is the main reason why PIP exists here.
In a no-fault system:
Each driver uses theirown insurance to pay medical bills
You donot have to wait for the other driver’s insurance
Treatment can startimmediately
This is where PIP becomes important.
Because of theno-fault rule, every driver must havePIP coverage in Florida one time as part of their insurance policy. “One time” means you automatically get PIP when you first buy your car insurance. It is built into the policy, and you cannot remove it.
Florida uses this system to make sure that people are treated quickly after accidents. Without PIP, many people would delay medical care because they would wait for the at-fault driver’s insurance. This delay can make injuries worse, and it can also lead to legal fights.
So, the no-fault rule and PIP coverage are deeply connected. The no-fault rulecannot work without PIP.
Is PIP Mandatory in Florida?
Yes.PIP is mandatory in Florida.
Whenever someone buys car insurance in Florida for the first time, the insurance companyautomatically includes PIP. You cannot remove it or skip it. The law requires every car owner to carry PIP, and the policy starts the moment you purchase insurance.
This means:
- If youown a car, youmust have PIP
- If youdo not own a car, you donot have PIP unless you buy a special non-owner policy
- If you own a car but do not buy insurance, you are breaking the law and lose many benefits
You getPIP coverage in Florida one time at the moment your policy becomes active, and it stays part of the policy every year as long as you renew your insurance.
This rule exists so that anyone injured in a crash can get fast medical help without worrying about fault, and consulting a Fort Lauderdale personal injury lawyer can help ensure your rights and benefits are fully protected.
How Much PIP Insurance Coverage in Florida Can Someone Get?
Florida law sets a standard amount forPersonal Injury Protection Florida, which is:
Up to $10,000 in total benefits
This is the maximum PIP can pay. But PIP doesnot pay 100% of all your damages. It pays apercentage of your losses.
Here is the simple breakdown:
● 80% of medical bills
Example:
Your medical bill = $1,000
PIP pays = $800
You pay or health insurance pays = $200
● 60% of lost wages
Example:
You lose $1,000 in income because of injury
PIP pays = $600
Remaining = $400
● $5,000 death benefits
Example You Can Relate To
Imagine you hurt your neck in a car crash. You go to the hospital and receive a bill for $5,000.
PIP pays:
- 80% of $5,000 = $4,000
- You owe = $1,000 (or your health insurance pays)
If your total medical bills reach $15,000:
- PIP pays only the first $10,000
- You must use health insurance or the at-fault driver’s insurance for the rest
This is why many people later file claims against the at-fault driver to recover more money.
What Damages and Losses Can You Get Through PIP Coverage in Florida?
PIP coverage in Florida pays for several types of losses. It is not only for hospital bills. It covers different personal needs that come from the accident.
Here are the main things PIP pays for:
1. Medical Bills
This includes:
- Hospital visits
- Doctor appointments
- X-rays and scans
- Surgery
- Physical therapy
- Medication
- Chiropractic care
Example:
If you visit an emergency room after an accident, PIP starts paying 80% of those costs.
2. Lost Wages
If your injuries stop you from working, PIP pays60% of the income you lose.
Example:
You work in a store and cannot work for 2 weeks.
Your salary loss = $1,000
PIP pays = $600
3. Replacement Services
If you cannot do daily tasks because of injuries, PIP can pay someone else to help.
Examples:
- Cleaning your house
- Taking care of your kids
- Driving you to appointments
4. Mileage for Medical Visits
If you must travel far to see a doctor, PIP may cover mileage costs.
5. Death Benefits
If a person dies in a car accident, PIP pays:
$5,000 to the family
medical expenses
funeral costs
Simple Example That Covers Everything
Let’s say Sarah is in a car accident and gets injured. She goes to the hospital, misses work, and needs physical therapy.
PIP helps her with:
- Hospital bill → 80% covered
- Follow-up doctor visits → covered
- Lost wages → 60% covered
- Physical therapy → covered
- Medication → covered
This is howPIP coverage in Florida supports accident victims during recovery.
Contact Law Offices of Wolf & Pravato to Take Legal Action
If you were injured in a Florida car accident, understanding PIP is only the first step. Many accident victims find that PIP does not cover all their losses. Medical bills can go beyond $10,000, and lost wages may continue for months.
TheLaw Offices of Wolf & Pravato can help you recover the compensation you deserve under Florida law. Our Fort Lauderdale car accident lawyer team guides you through the insurance process, helps you file additional claims, and fights for your rights when the at-fault driver should be held responsible.
You do not have to handle this alone.
Call Law Offices of Wolf & Pravato today at (844) 643-7200 to take the right legal action and protect your future.
Frequently Asked Questions:
Q: Is PIP required in Florida?
A:Yes, PIP is required in Florida. Every driver who buys auto insurance in the state automatically gets PIP coverage in Florida as part of their policy. This coverage helps pay for medical bills and certain losses if you are injured in a car accident, regardless of who caused it.
Q: Do passengers get coverage under PIP insurance in Florida?
A: Yes, passengers can be covered. PIP insurance coverage Florida helps pay for medical bills if a passenger is injured in a car accident. If the passenger has their own PIP, their insurance pays first. If they do not have PIP, the driver’s PIP may cover their injuries.
Q: What is the time limit to claim PIP after a car accident in Florida?
A: In Florida, you must seek medical treatment within 14 days of the accident to qualify for PIP insurance coverage Florida. If you wait longer than 14 days, your PIP claim may be reduced or denied, so it’s important to get medical care as soon as possible after the accident.
Q: If I have a car accident in another state, can I use my Florida PIP?
A: Yes. PIP insurance coverage Florida can help you even if the crash happens outside Florida, as long as your car is insured in Florida. Always tell your insurance company right away so they can guide you.