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Personal Injury Protection Insurance in Florida 101

Florida law states that a motor vehicle owner must have a minimum of $10,000 of personal injury protection insurance (PIP) and a minimum of $10,000 of property damage liability insurance. Deductibles can be up to $1,000 for PIP coverage and up to $500 for property damage liability. 

PIP covers you whether you cause an accident or not for up to $10,000 minus the deductible amount. This type of insurance is designed to cause suing for reimbursement of medical and other related bills from auto accidents to decrease. To get PIP benefits, you must receive service and care in 14 days following the motor vehicle accident. 80% of “reasonable” medical expenses related to the accident, 60% lost wages caused by the accident, and $5,000 of death benefits are included. 

Pedestrians and bicyclists are also entitled to PIP coverage, and plans can cover relatives who live in the home with you, passengers who do not own a vehicle (depending on specific scenarios), and someone who drives your car with your permission. However, this is only inclusive of accidents in the state of Florida. If an accident happens out of state (but only in the United States or Canada), PIP covers relatives living under the same roof. 

PIP also covers acts of violence against policyholders when driving, such as injuries received in a road rage accident or carjacking. 

If you have any questions about PIP coverage following a car accident, a car accident attorney in Florida may be able to help. 

James Piccolino, licensed chiropractor and attorney, knows first hand how difficult the weeks following car accidents are. His experience combines the knowledge and skills of chiropractic medicine and personal injury law. His commitment to helping patients and law clients allow them peace of mind to live freely after accidents. 

This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.

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