Frequently Asked Questions about Personal Injury Protection

You might have a few questions regarding Personal Injury Protection . Florida is a no-fault state and therefore requires car owners to have Personal Injury Protection. Here are some common questions and answers regarding this car insurance coverage.

Q. What happens if I use all of my Personal Injury Protection (PIP) benefits?
A. Essentially, that’s the end of your benefits. Like having a credit card, your insurance policy has a limit, and when you reach that limit, the benefits are over and you must pay your own medical bills. But you should stillcontact a car accident lawyer to explore other options. For example, the other party in the accident may have Bodily Injury Liability coverage.

Q. Does PIP only cover medical treatment?
A. It varies from state to state and depends on the particular plan, but PIP may also cover wages and other losses, such as funeral expenses.

Q. Is PIP required everywhere?
A. No. PIP coverage is only required in no-fault states. As of now, there are 12 no-fault states: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah.

Q. What does PIP cover?
A. It covers you and all other passengers in the car. It also covers you as a pedestrian or a bicyclist, if involved in an accident with a motor vehicle.

Q. What does PIP NOT cover?
A. PIP may not cover auto accidents involving farm equipment, recreational vehicles, mopeds and in some cases, motorcycles.

Q. How much PIP should I purchase?
A. If you have health insurance, check your plan, because you don’t want to purchase an unnecessary amount. If you have a comprehensive health plan, the lowest amount of PIP coverage should be enough. But if you don’t have health insurance, purchasing a higher amount may be a good idea. You don’t want to leave yourself at risk later down the road.

Q. What happens if I’m in a car accident and have both PIP and standard health insurance?
A. If you’re in a car accident, PIP will most likely take precedence over the health insurance, covering medical bills and other losses first.

Q. What happens if I have PIP coverage but am hit by an at-fault driver who does not?
A. Your benefits may still cover you and other passengers in your vehicle up to the limits of your policy regardless of who’s at fault.