What is PIP Insurance in Florida?- PIP Insurance Explained

What is PIP insurance?

PIP insurance is Personal Injury Protection and in Florida it is mandatory coverage for all drivers.  Everyone is required to carry at least $10,000. PIP coverage is no fault insurance and the purpose is to allow individuals to have their initial medical treatment and lost wages covered regardless of who was at fault in the accident.

Who does PIP cover?

It covers the named insured, relatives residing in the insured’s household, persons driving the insured’s vehicle, passengers in the insured vehicle, and other persons struck by the insured’s vehicle while not an occupant of a self-propelled vehicle.

What does PIP cover?

PIP is intended to cover 80% of medical expenses that are related to an automobile accident and 60% of your lost wages.

What is the 14 day rule?

This requirement means that you must see some type of medical provider within 14 days after your accident.  You do not have to go to the emergency room. You may see any medical provider, including a chiropractor. Be sure to tell the medical provider that your injuries are related to an automobile accident.  I suggest that you go to a doctor within 14 days after the accident even if you aren’t sure whether you are injured because often symptoms will appear later.

What if I miss the 14 day period?

You should still seek treatment.  The 14 days is just for your PIP protection.  If you were hit by another driver they will likely have bodily injury coverage from which you may be able to obtain compensation.  Just because you miss the 14 day period you have not lost your right to bring an action. Typically, you have four years to bring an action for negligence.

How does PIP coverage work?

If you are in a car accident you present your car insurance card to the doctor and they will bill their services to your PIP coverage rather than bill you or your health insurance.

What happens after the $10,000 has been exhausted?

After your coverage is exhausted you should still continue treating because you may be able to bring a claim against the at fault driver’s bodily injury coverage or your own uninsured motorist coverage.

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