Frequently Asked Questions about Personal Injury Protection (PIP)

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

Q. What Happens If I Use All of My 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 still contact a car accident attorney 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.


Call 407.648.4940 or contact Coye Law Firm today for a free, private strategy session about your case.

The expert injury attorneys at Coye Law Firm are experienced with Florida, New York, Michigan, and District of Columbia law and are here to help the injured.

If you'd like to learn more about injury law and your rights, read my book, Sharing the Secrets, Learning the Lies: A Guide to Florida Personal Injury

From this book you will learn… Personal Injury Book for consumers

  1. The ONE THING you must do within 14 days of your accident (page 42)
  2. The two most important factors in determining case value (page 10)
  3. How to understand what your insurance will and will not cover (chapter 3)
  4. 6 critical steps you must take after an accident (page 65)
  5. Why you should not trust the insurance company’s repair shop (page 72)
  6. How to choose the right doctor (chapter 5)
  7. A claim you could make against your own insurance company if your car is damaged, but not totaled (page 86)
  8. The secrets to getting a fair settlement (chapter 10)
  9. An 8-step breakdown of the normal process for lawsuits (page 109)
  10. The one 4-letter word that might cost you (chapter 12)
  11. How to start gathering the most important evidence you need (page 75)
  12. …and more!

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