Understanding Florida PIP Coverage After an Accident

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 how Personal Injury Protection (PIP) works is an important first step in your recovery.

In Florida, PIP is part of your own auto insurance policy and 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 to be determined.

PIP typically covers 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 are often 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 your PIP coverage is critical to protecting both your health and your financial recovery after an accident.