What are the Limitations of Personal Injury Protection (P.I.P.)?

What is Personal Injury Protection (PIP)?

Personal Injury Protection (PIP) is a type of auto insurance coverage generally required in no-fault states, such as Florida. If you've been injured or seriously hurt in a Florida car accident then you may be wondering what the limits of your PIP coverage are.

The Financial Limitations of PIP

PIP is required in the state of Florida. There is a minimum amount of how much coverage you are required to carry, which differs from state to state, but in Florida you are required to have:
  • $10,000 in PIP
  • $10,000 in property damage liability (if the car accident caused property damage)
Every time you are in a serious car accident your auto insurance will cover you up to your limit of $10,000 or more for:
  • Medical treatments.
  • Car repairs.
  • Any other damages, such as funeral expenses if a death occurs.
As the year goes on, you may find yourself in another auto accident. This would certainly seem confusing, but your PIP coverage will essentially restart. You'll get another $10,000 worth of coverage for that car accident, because it is a completely new and separate claim.

The Issues With Multiple Cases

The are some problems, though, with getting into multiple car accidents in one year. For example, if you have a car accident #1 that is particularly serious, your doctor may go through your PIP benefits and still have the need to use your health insurance. Then if you have car accident #2 in the same year, it could adversely affect car accident #1. 

One reason is because you may need some of the benefits from the first car accident for the second car accident. Also, your personal injuries from the first car accident may have simply been made worse by the second. It may be difficult for doctors and physicians to determine where the injuries originally came from.

For these reasons, it's important to collaborate with your doctors and auto accident attorney immediately following another car accident. Some of the nuances that may come with multiple claims may be easily taken care of when they are notified as soon as possible.

What Is a Compulsory Medical Examination?

If you are in a serious car accident and seek medical treatment, your insurance company may investigate into your injuries and your treatment. They may send you to a compulsory medical examination, which is the insurance company's attempt to limit the amount they pay you for your claim. 

The compulsory medical examiner is a similar doctor or physician from the one you may be currently seeing, but chances are they may take you off the treatment you're currently getting or perhaps limit it. The insurance company may be looking to limit the pip benefits they pay out to you for your claim.

Other Limitations of PIP 

There may be many limitations of PIP coverage, such as the minimum and maximum amounts of coverage you're allowed/supposed to purchase and the possibility of a compulsory medical examination.

If you find yourself overwhelmed by the process of receiving benefits for your medical bills, car repairs or other damages, contact a Florida car accident attorney today. 


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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