Florida PIP insurance is intended to reduce payment delay for injured drivers. A wrongly denied PIP claim can make life tougher for the policyholder and the involved healthcare providers.

What is PIP Insurance?

PIP stands for Personal Injury Protection, which is also known as no fault auto insurance in some states.

Is PIP Insurance Required in Florida?

Yes, PIP coverage is required to be purchased by owners of motor vehicles registered in the state of Florida. According to the Florida Office of Insurance Regulation, “PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault.”

Are There Limits on PIP Coverage?

Yes. If you are injured in an automobile accident to the extent that medical personnel deem you need emergency medical care, you could qualify for up to $10,000 per person. Because Florida is a no fault state, PIP insurance is designed to kick in immediately even if fault of the accident has yet to be determined.

Without an Emergency Medical Issue, Will PIP Still be in Effect?

Yes, PIP benefits of up to $2,500 per person is available for those with injuries or illness directly related to an auto accident as long as you seek treatment within 14 days of the accident.

What Does PIP Cover in Florida?

Florida PIP insurance covers medical costs, lost wages and death benefits. As the owner of a vehicle in Florida, you are allowed to choose if you wish the PIP to cover just yourself or anyone who lives in your household. PIP may be used to cover 80 percent of the costs of medical care, medication, surgery, hospitalization, rehabilitation, diagnostics and ambulatory services.

How Much of My Lost Wages Will PIP Provide Me?

Florida PIP will pay 60 percent of lost wages if you are disabled due to injuries in a car accident, up to $10,000. The payment includes coverage for chores you would usually do, but are unable to because of the injuries incurred in the accident. Cooking, cleaning, lawn work and laundry are among the services PIP may pay to assist you.

What Types of Issues Might I Run into with My Insurance Company When I File a PIP Claim?

Some insurance companies will apply the deductible to an already reduced amount instead of to the total amount billed, which can lead to you paying more out of your own pocket.

In other cases, insurance carriers have been known to apply old Medicare codes instead of following the updated 2013 Personal Injury Protection amended coding policies. Without a PIP lawyer to catch the incorrect coding, insurance companies are able to get a certain number of reduced bills processed without a challenge.

Do I Need PIP Insurance if I’m a Seasonal Florida Resident?

If your car is registered in Florida or driven in Florida for more than 90 days in one year, you need to have PIP insurance.

What if I’m Injured in an Auto Accident While Riding in Someone Else’s Car in Florida?

Your Florida PIP insurance will cover you if you are riding in another person’s vehicle, walking or riding a bike and are somehow injured in an accident involving another automobile.

What is the Death Benefit on a PIP Policy?

In Florida, PIP will provide a family up to $5,000 for the funeral expenses of a covered family member.

Does PIP Cover Pain and Suffering?

No, PIP insurance does not cover pain and suffering. Florida allows drivers to sue when their injuries are severely disfiguring, permanent, or result in death; if your medical bills exceed $10,000; and if you’ve experienced emotional pain and suffering.

This article is not legal advice. It is presented
for informational purposes only.