How Does Personal Injury Protection Work?

Florida residents that own a vehicle are required to have Personal Injury Protection, also known as PIP, as a part of their automobile insurance coverage. It pays for your injuries regardless of who is at-fault in an accident. 

The Coye Law Firm's accident attorneys work hard to recover benefits for your medical bills, lost wages, and other expenses that result from your car accident. They can inform you of your rights and guide you through the Florida no-fault system.

What Does PIP Cover in Florida?

If you live in Florida and own a motor vehicle, you must purchase PIP. If you are the insured on the policy, then PIP pays for your injuries if you are hurt in a car accident, whether you are a driver/passenger of your own car or anyone else's. Relatives who live with you can qualify for benefits under your PIP, as well as others who are injured while driving or riding in your insured car with your permission. 

If your relative or friend has their own PIP policy because they own a car in Florida, then their own insurance company pays for their injuries even if they are driving or riding in your car.

Some drivers are not required to have PIP for themselves or passengers in specific vehicles. These vehicles include:

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.When you purchase car insurance coverage, it is important to consider the overwhelming medical bills and lost wages that can occur as a result of a catastrophic auto accident. There are certain limitations to PIP that you should also be aware of:

  • If a medical expert determines an injury is a “non-emergency” than your PIP coverage for medical expenses is limited to $2,500.
  • There are also certain treatment options excluded from coverage, including acupuncture and massage therapy.

After you make your decision, an accident attorney at the Coye Law Firm will work to pursue all benefits available under your PIP policy.

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 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 another car accident in the same year, it could adversely affect the first car accident. 

One reason is that 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 Benefits Can I Get From PIP?

If you're hurt in a car accident, even if it was your fault, you'll probably need medical attention. PIP pays up to 80% of your medical bills or expenses if you use qualified treatment. This includes medically necessary:
  • Medical, surgical, X-ray, dental, or rehabilitative services
  • Prosthetic devices
  • Wheelchairs
  • Crutches
  • Slings
  • Neck braces
  • Splints
You have 35 days to submit documentation and bills regarding your medical treatment to your insurance company and you have 14 days to seek medical treatment following an accident. The insurance company can avoid paying for your injuries if these deadlines are not met. If the car accident results in the insured driver's death, then their estate is entitled to $5,000 in death benefits.

Do I Need an Attorney to Get PIP Benefits?

PIP is supposed to protect you from the unexpected medical bills and stress of lost wages after an accident. But if your insurance company is disputing your claim or not paying the full benefits you are entitled to, then you need an insurance attorney on your side.

The Coye Law Firm's accident attorneys take care of your medical bills and communicate with insurance companies while you focus on treatment and recovery from a car accident. You shouldn't have to deal with the additional stress of deadlines and paperwork while you are injured.



Call 407.648.4940 or contact Coye Law Firm today for a free consultation 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… 

  1. The ONE THING you must do within 14 days of your accident (page 46)
  2. The two most important factors in determining case value (page 8)
  3. How to understand what your insurance will and will not cover (chapter 3)
  4. 6 critical steps you must take after an accident (chapter 7)
  5. Why you should not trust the insurance company’s repair shop (page 78)
  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 87)
  8. The secrets to getting a fair settlement (chapter 10)
  9. An 8-step breakdown of the normal process for lawsuits (page 121)
  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!

Click here to receive your FREE copy now.