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Personal Injury

PIP Coverage for Car Accidents in Florida

Like many U.S. states, Florida requires all automobile owners to carry personal injury Protection or PIP coverage. Often referred to as “no-fault insurance,” PIP compensates the insured driver for a portion of their losses – whether they were at fault or not. Due to recent changes, the rules and regulations surrounding PIP in Florida are fairly complex. A car accident lawyer who is familiar with Florida laws can walk you through the PIP process.

Important Changes to PIP in Florida

Florida recently passed and enacted amendments to PIP coverage for automobile accidents. While the initial changes took effect on July 1, 2012, the most significant modifications didn’t go into effect until January 1, 2013. The following sections detail the most important elements of Florida’s PIP coverage, including the new provisions:

PIP Coverage Limitations

As of January 1, 2013, the maximum standard PIP coverage is limited to a total of $10,000 medical coverage, $5,000 available in the form of death benefits. The $10,000 limit covers costs such as medical expenses, lost earnings stemming from the inability to work, and mileage-related costs for trips to and from medical appointments. Insured parties can obtain a PIP deductible of up to $1,000, which represents the amount they are required to pay out of pocket before the policy kicks in. After the PIP benefits have been exhausted, the insurance company has no financial obligations to the accident victim.

PIP In Emergency Situations

Based on the amendments made to Florida’s PIP laws, standard policies may only cover insured parties up to $2,500 if they receive medical treatment within the required 14-day time frame, yet did not suffer emergency medical conditions as defined by Florida law.
Florida’s new PIP laws have ushered in new coverage limitations in emergency situations. These limitations include:

  • Time limitations: If you fail to obtain treatment within 14 days of the accident, you will not be able to receive PIP benefits that cover medical bills, lost wages, and other losses.
  • Treatment limitations: If you are treated for an emergency medical condition, your PIP policy will only cover follow-up treatments related to the initial diagnosis.
  • Therapeutic limitations: Acupuncture and massage therapy are no longer covered in PIP benefits.

If you, a friend, or relative has been injured in a car accident in the state of Florida, you can benefit from calling 1-800-Ask-Gary (1-800-275-4279) at 1-800-275-4279. Our free attorney referral service can help you find a knowledgeable car accident lawyer who may be able to aid in securing PIP benefits and further compensation for the damages related to your injuries.


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