Frequently Asked Questions about Personal Injury Protection Benefits

Frequently Asked Questions about Personal Injury Protection Benefits car accident attorney lawyer law firm orlandoYou might have a few questions regarding Personal Injury Protection (PIP). Since Florida is a no-fault state, car owners are required to carry Personal Injury Protection.

Here are some common questions and answers regarding Personal Injury Protection insurance coverage.

What Exactly Does PIP Cover?

PIP benefits pays 80% of your medical expenses and may pay 60% percent of your wage loss you have incurred after a motor vehicle accident up to $10,000. 

What Happens If I Use All of My PIP Benefits?

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.

Does PIP Only Cover Medical Treatment?

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.

Is PIP Required Everywhere?

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.

Who Does PIP Cover?

PIP is required to cover:

  • You
  • You riding in another car
  • You as a pedestrian
  • You as a bicyclist
  • Family members that reside with you
  • Passengers of your car (in some cases)

What Does PIP NOT Cover?

PIP may not cover auto accidents involving farm equipment, recreational vehicles, mopeds and in some cases, motorcycles.

How Much PIP Should I Purchase?

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.

What Happens If I’m In a Car Accident and Have Both PIP and Standard Health Insurance?

If you’re in a car accident, PIP will most likely take precedence over the health insurance, covering medical bills and other losses first.

What Happens If I Have PIP Coverage But I am then Hit by an At-Fault Driver Who Does Not?

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.

Further Reading:

If you have questions about your Florida auto accident case or injury case you can download a FREE copy of Wade Coye’s book, Sharing the Secrets, Learning the Lies: A Guide to Florida Personal Injury. You can also contact our expert team by calling (407) 648-4940 today or by filling out a contact form.

Wade B. Coye
Attorney/Author Wade Coye - serving consumers legal needs for over 27 years