Understanding PIP in Florida
July 9, 2015 – Adam Mann
After being in an auto accident—regardless of who was at fault—there’s often a lot of tasks to take care of and information to absorb in a very short amount of time after. One of these important items is learning about personal injury protection (also called “PIP”), especially for drivers in the state of Florida.
At The Law Firm of Cohen & Cohen, we’ve created a PIP overview to help you remember the most important facts about it and how it can relate to your accident. Here are the essentials:
Personal Injury Protection Basics:
- PIP is an extension of vehicle insurance that’s available in some U.S. states, but not mandatory in all of them. In Florida, some form of PIP coverage is required.
- PIP can cover medical expenses, and in some cases, lost wages and other damages, such as rehabilitation costs, funeral costs and service replacement of someone injured in a covered car accident.
- PIP covers any type of accident or injury that involves a vehicle, even if you yourself weren’t inside a vehicle. This means that even if you were a pedestrian or a bicyclist at the scene of the accident, PIP can still apply to your accident case.
Personal Injury Protection in the State of Florida:
- Under Florida law, it’s required that every vehicle owner and driver has $10,000 worth of PIP insurance coverage.
- Under PIP, automobile insurance carriers will cover up to 80% of medical bills, up to a max of $10,000, if Plaintiff seeks medical treatment within 14 days and his/her injuries were determined to be an emergency medical condition.
- If you are involved in an accident in Florida (or any of the other states that require PIP coverage), PIP benefits will be paid by your insurance company, no matter who was the person at fault. This is why Florida is called a “no-fault insurance state”.
Learn more about what to do after a car accident now with our online guide.
Find even more helpful information like this by reviewing some of our other blog articles or downloading our free toolkit—How To Take Care of Yourself and Stay on Track After Your Car Accident—offering an assortment of helpful materials to assist you through this stressful experience. You’ll find documents including an overview of Florida car accident laws, a checklist of materials to have prepared for your lawyer upon your initial meeting, and much more.
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