How Does PIP Insurance Work?

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Florida law states that any resident of the state who owns an automobile must have a minimum of $10,000 of personal injury protection (PIP) auto insurance coverage. PIP is a form of no-fault insurance. If the owner wants to purchase a higher limit, appropriate coverage is available.

If you’re the insured owner of an auto, regardless of fault, your PIP coverage pays for your medical bills and lost time from work in the event of an accident. It doesn’t matter whether you’re the driver or a passenger in your own car or a car belonging to somebody else either. Your family members who live with you are eligible for benefits under your PIP, and so are other people who might be driving your auto or riding in it with your permission.

With most Florida car insurance companies, you’re probably covered by your PIP up to the limits of your policy if you’re a bicyclist or even a pedestrian. If your policy language is too confusing, we understand. We’ll be happy to take a look at it for you.

If you’ve used up your PIP limits in a car accident that was caused by somebody else, you’re definitely going to want to speak with us. Once you’ve exceeded that limit, Florida law allows you to pursue personal damages against the driver who caused your accident and injuries. Don’t hesitate to contact us with your questions about using or exceeding your PIP coverage after an accident. You’ll be able to arrange for a free consultation and case review. We promise to answer your questions too. If we think that we might be able to help you in other ways, we’ll advise you on your entire range of options.