Personal Injury Protection Insurance


Personal Injury Protection or called as PIP in short form, is a law under motor insurance in a few States of US and one among them is Florida. According to this law, all owners of motor vehicles with four or more wheels must buy this auto insurance in order to carry a minimum of $10,000 liability. If someone dashes against your car and injures you, it is a normal thought that the person, responsible for the accident or his or her insurer should meet the medical expenses, but, this is not true under PIP. let us discuss about PIP in the following few lines.


PIP insurance in Florida is an insurance coverage and this will cover your medical expenses or any lost wages for a temporary period during which you are incapacitated to work. The significant point is that the person responsible for the accident is not taken into account under PIP coverage. Personal injury protection Florida is meant to provide medical expenses for the injuries, you sustained and your insurer will take care of your hospital expenses. PIP is mainly introduced to enable immediate medical treatment to the injured without taking time to establish who is responsible for the accident through court proceedings.

PIP is also called as no fault insurance Florida coverage and it pays for treatment to injuries sustained by a person in a car accident irrespective of who is responsible for the accident. If you have PIP insurance in Florida and injured in an accident, you can receive maximum health benefits whether you are at fault or not. PIP insurance is mandatory in a few States and one among them is Florida. In some States, it is optional. The coverage of PIP also varies from State to State, wherever it is in force.

What is the Limit of Coverage?

PIP insurance will pay 80% of your medical bills for injury treatment and 60% on the loss of wages up to a limit of $10,000. If the expenses go beyond the limit of $10,000 then you have to recover the balance from the person who caused the accident. Moreover, PIP covers the injury treatment expenses, if you are injured while driving a car or while going on a bicycle or walking as a pedestrian. In general PIP covers medical benefits, lost wages and death benefits.

If the policyholder were killed in the accident, PIP will cover his or her funeral and burial expenses in addition to the coverages mentioned in the previous paragraph.

The insured and all the resident relatives are covered under Florida PIP coverage. Resident relatives are not required to be listed as drivers on the policy for coverage to apply. All cars owned by you and that are listed in your auto insurance policy are covered under PIP portion of your policy.

PIP was enforced with a hope of limiting the lawsuits to be filed against at fault drivers. But a section of consumers felt that their right to file lawsuits and seek the eligible remedies were subverted by the laws. Hence, PIP law was revised to enable the drivers to file lawsuits against the drivers responsible for accidents in some specific circumstances.

Most of the no fault States like Florida allows the drivers to sue the drivers at fault when the injuries are severe in nature, results in disfigurement, permanent disability and deaths. At the same time if the medical treatments to treat the injury exceeds $10,000 say it is $20,000, then you will be allowed to sue the drivers at fault for reimbursing the remaining $10,000. You can also sue them for any emotional pain and sufferings if you think that they are caused by the accident made by the other drivers.

PIP will cover most of the medical costs with the exception of some popular treatments such as acupuncture. PIP covers the following coverages as given below.

● Medical services and medication
● Surgical services and hospital expenses
● Rehabilitation costs
● Diagnostic services
● Ambulatory services.

Cost of PIP in Florida:

The minimum and maximum amount of coverage under Florida PIP is $10,000. To reduce the premium, there are some options. If you increase your deductible up to a maximum of $1,000, you can reduce your premium rate. You can also opt to exclude work loss clause and exclude the coverage of other residents in order to reduce the premium rate.

Accidents Involving Motorcyclists:

When a car hits a motorcyclist, it is a different situation. This is because, a motorcyclist need not carry a PIP coverage as required by the drivers driving cars and other vehicles. In this case, the driver of the car can get an attorney to provide a letter of protection. According to this letter, the motorcyclist is assured of medical or healthcare providers and he or she will be paid these costs according to the settlement or the verdict of law. An attorney alone will be able to settle for a correct solution in these cases, involving motorcyclists.

This is because the motorcyclists will be the most sufferers in these dashes with cars and hence, the services of an attorney, dealing with accidents, are essential in settling issues.

It is important to have adequate insurance coverage in order to protect yourself in case you are involved in an accident. To avoid unnecessary expenses from your own pocket, you must have a $10,000 worth of property coverage and $10,000 worth of personal injury protection. These insurance coverages are required in addition to the minimum liability coverage as required by State Florida laws.


Auto insurance laws are enacted exclusively for the benefits of the drivers driving their cars on the roads of Florida. Making an accident is a nasty one, but their repercussions are more severe. You may have to face the lawsuits, meet the medical expenses for the injured and more. This will happen even if you do not possess an auto insurance. But, if you insure, you will not be in a position to spend from your own pocket as the expenses will be met out by the insurers and you need not carry the burden anymore.