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How Does PIP Insurance Work in Florida?

What is PIP Insurance?

In Florida, personal injury protection (PIP) insurance is required. It covers 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury no matter who caused a motor vehicle crash in Florida.

When it comes to accidents in Florida, here's what you need to know about your coverage to stay protected on Florida roads in the event of a car crash.

How Does PIP Insurance Work in Florida?

Any vehicle that is registered in Florida must meet the following criteria:

  • Have PIP insurance at the time of registration vehicle registration.
  • Have a minimum of $10,000 in PIP insurance and $10,000 in property damage liability Insurance (PDL).
  • Have continuous coverage even if a vehicle is not being driven or if the vehicle is inoperable.
  • Have insurance that is purchased from a Florida licensed insurance carrier.
  • Have continuous insurance coverage throughout the registration period, regardless of the location of the vehicle. For example, military members stationed out of the state or out of the country may be exempt from this provision.

What are the Benefits of PIP insurance?

Also known as no-fault insurance coverage, PIP insurance has many benefits. If you've been injured in a motor vehicle crash, your PIP insurance can help pay for medical bills not covered under your health insurance policy, no matter who is at fault. Some examples of what may be covered under PIP insurance are:

  • Doctors visits
  • Surgeries
  • Physical therapy
  • Hospital bills

Will PIP Insurance Cover My Lost Wages?

In some instances, in Florida, PIP insurance may provide economic benefits. If you are injured in a car crash and are disabled, you may be entitled to collect 60% of your lost wages up to $10,000. PIP insurance may also include services that you may need to pay for if injuries prevent you from doing everyday tasks and chores such as:

  • Cleaning your home
  • Doing laundry
  • Taking care of your pets

What Happens if The Policy Holder Was Fatally Injured?

In some cases, if the policyholder died as the result of a motor vehicle crash, PIP insurance will cover funeral and burial expenses in addition to the above benefits.

When it comes to PIP insurance after a car crash, it's critical to seek a car accident attorney to ensure your rights are protected and you get the proper payouts from your PIP insurance policy.

Injured in a Car Crash? We Can Help.

Being involved in a motor vehicle crash is devastating, and when it causes serious injuries, it can make it that much more stressful. When you need help after a car accident, we are here for you.

Our personal injury attorneys are here to help you seek justice and hold the negligent parties accountable for their actions. We have helped countless Floridians receive the compensation they deserve, and we want to do the same for you.

Contact Rosenberg & Rosenberg, P.A. today at (888) 499-6206 to schedule a free consultation.