[email protected] [email protected] | June 13, 2025 | Personal Injury
If you’re a licensed driver in Florida, it’s essential to understand the importance of Personal Injury Protection (PIP) insurance. Florida law requires all drivers to carry PIP insurance as part of their auto insurance coverage, unlike most states where PIP is optional or unavailable. It is designed to ensure that drivers are compensated for their medical bills and lost wages after an accident—regardless of fault.
This article will help you understand how PIP works in Florida and how to maximize its benefits in the event of a car accident.
What Is PIP?
Personal Injury Protection is also referred to as no-fault insurance. This is because it covers your own expenses regardless of fault. The key benefit of PIP is that it pays for up to 80% of your medical bills, including rehabilitation costs, if you’re injured in an accident. This coverage also extends to passengers in your vehicle and even pedestrians or cyclists in an accident involving your vehicle.
Unlike bodily injury liability insurance, which covers medical expenses of other parties when you are at fault for an accident, PIP covers your own expenses. Additionally, while PIP may overlap with your health insurance, it specifically covers costs related to your car accident. These costs may not always be included under standard health insurance policies.
Why Is Personal Injury Protection (PIP) Required in Florida?
Florida operates under a no-fault insurance system. If you’re involved in an accident, you must file a claim with your insurance company to cover medical costs and lost wages. PIP is designed to provide immediate benefits for your medical treatment and lost income, ensuring that you don’t have to wait for the other party’s insurance to pay for your expenses.
PIP coverage is mandatory for all drivers with a registered vehicle in Florida. However, the amount of coverage can vary depending on the policy and the insurer.
What Does PIP Insurance Cover?
PIP insurance in Florida covers a wide range of costs directly related to your car accident. While coverage limits may vary depending on your policy, typical expenses covered by PIP include:
- Medical Expenses: This includes hospital bills, surgery, emergency room visits, rehabilitation, and follow-up medical care.
- Lost Wages: If your injuries prevent you from working, PIP will cover a portion of your lost wages.
- Death Benefits: If the accident results in death, PIP may provide funeral expenses and death benefits for your family.
- Loss of Essential Services: If your injury prevents you from performing essential daily activities (e.g., cleaning, shopping, cooking), PIP may cover the cost of hiring a caretaker or professional service to assist you.
PIP insurance in Florida covers medical expenses, lost wages, and much more. It can even cover the cost of hiring professional assistance if you are unable to care for yourself.
How Much Does PIP Insurance Cost?
The cost of PIP insurance in Florida can vary depending on several factors, such as:
- Coverage Limits: Florida’s minimum required PIP coverage is $10,000, but some drivers may purchase higher limits.
- Your Insurance Provider: Insurance companies will offer rates based on your driving history, location, and other factors.
- Deductibles: Some PIP policies include a deductible, which can affect the overall cost of your insurance.
- Vehicle Type: The make and model of your vehicle can impact your premiums.
PIP insurance in Florida is relatively affordable, but the price may vary based on coverage limits, deductibles, and your vehicle type.
Contact a Clearwater Car Accident Law Firm of Roman Austin Car Accident and Personal Injury Lawyers Today for Help Today
Understanding how PIP insurance works and making sure you get the benefits you deserve can be complex. At Roman Austin Car Accident and Personal Injury Lawyers, we have over 60 years of combined experience helping accident victims in Florida recover compensation through PIP and other claims.
For more information, please contact the legal team of Roman Austin Car Accident and Personal Injury Lawyers for a free initial consultation with a personal injury lawyer in Clearwater. We have convenient locations in Florida: St. Petersburg, Safety Harbor, Clearwater, New Port Richey, and Tampa.
We serve throughout Pinellas County, Hillsborough County, Pasco County, and its surrounding areas:
Roman Austin Car Accident and Personal Injury Lawyers – Clearwater Office
1811 N. Belcher Road, Suite I-1
Clearwater, FL 33765
(727) 787-2500
Roman Austin Car Accident and Personal Injury Lawyers – Congress Ave Office
2360 Congress Avenue
Clearwater, FL 33763
(727) 591-5610
Roman Austin Car Accident and Personal Injury Lawyers – Tampa Office
6601 Memorial Hwy Suite 202
Tampa, FL 33615
(813) 686-7588
Roman Austin Car Accident and Personal Injury Lawyers – New Port Richey Office
2515 Seven Springs Blvd.
New Port Richey, FL, 34655
(727) 815-8442
Roman Austin Car Accident and Personal Injury Lawyers – St. Petersburg Law Office
840 Beach Dr NE Suite 202
St. Petersburg, FL 33701
(727) 787-2500
Roman Austin Car Accident and Personal Injury Lawyers – Safety Harbor Law Office
202 9th Ave S Suite A-2
Safety Harbor, FL 34695
(727) 787-2500