Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years

PIP coverage is required by law for all drivers in Florida, not just an optional add-on. As a no-fault state, Florida requires your own insurance policy to provide coverage for medical expenses and a portion of lost wages after an accident, regardless of who is at fault.

How Does PIP Coverage Protect You After an Accident?

It gives you immediate access to benefits following a crash. This helps cover essential costs such as medical treatment and lost income. Without it, you are not legally permitted to drive, and you may be left responsible for significant out-of-pocket expenses.

Maintaining active and up-to-date PIP coverage is a simple but crucial step. It protects both your financial stability and your legal compliance on the road.

If you were injured in an accident and have questions about your coverage, our office can help.

Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years

If you have recently been involved in an auto accident, understanding Florida PIP coverage is an important first step in your recovery.

How Florida PIP Coverage Works

In Florida, PIP is part of your own auto insurance policy. It helps cover a portion of your medical expenses and lost wages, regardless of who caused the accident. This allows you to begin receiving necessary medical treatment right away without waiting for fault determination.

Florida PIP coverage typically pays up to 80% of reasonable medical expenses and 60% of lost wages, up to the policy limit, which is usually $10,000. However, to access these benefits, you must seek medical treatment within 14 days of the accident.

When you work with an attorney, your PIP benefits often become the first source of coverage used to pay for your care. This helps ensure you can receive treatment while your legal team investigates the accident and pursues compensation from the at-fault party.

Understanding how to properly use Florida PIP coverage is critical to protecting both your health and your financial recovery after an accident. If you have questions about your coverage, our office can help.