Understanding the Nuances of Florida’s PIP Coverage

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In Florida, Personal Injury Protection (PIP) coverage plays a crucial role in ensuring medical bills and lost wages are covered following an auto accident, regardless of who was at fault. Understanding the nuances of Florida PIP coverage can be integral to ensuring you get the full benefits you’re entitled to after an Orlando car accident. In this blog post, we’ll explain what you need to know about Florida PIP coverage post-auto accident.


What is PIP Coverage?

PIP coverage, also known as no-fault insurance, is a mandatory component of auto insurance policies in Florida. It covers medical expenses and lost wages up to a certain limit following an auto accident, irrespective of who caused the accident.


How Much Does PIP Cover?

In Florida, PIP coverage offers up to $10,000 for emergency medical conditions and $2,500 for non-emergency medical conditions. It also provides up to $5,000 in death benefits. PIP typically covers 80% of medical expenses and 60% of lost wages.


What Does PIP Cover?


PIP coverage includes:

  • Medical expenses: This includes surgery, hospitalization, ambulance fees, medication, diagnostic services, and rehabilitative services.
  • Lost wages: If your injuries prevent you from working, PIP covers a portion of your lost income.
  • Death benefits: In the unfortunate event of death resulting from an auto accident, PIP provides benefits for funeral expenses and related costs.


How to Claim PIP Benefits

To claim PIP benefits in Florida, you must seek medical treatment within 14 days of the accident. The medical provider must determine that your injuries are an “emergency medical condition” for you to be eligible for the full $10,000 in medical benefits.


Limitations and Exclusions

While PIP coverage provides crucial financial assistance, it does not cover everything. PIP does not cover property damage or non-economic damages, like pain and suffering. Moreover, PIP only covers a portion of your medical expenses and lost wages, which may not be sufficient if your injuries are severe.



Understanding Florida’s PIP coverage is crucial when you’re involved in an auto accident. However, navigating the insurance claim process can be complex. That’s where we come in. As a seasoned Florida law firm, our experienced attorneys at JustCallMoe have the experience and knowledge to guide you through this process, ensuring you receive the full benefits you’re entitled to. Contact us today for a consultation.

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