Home Blog Protect Your Health and Wallet: How PIP Insurance Works in Florida

Protect Your Health and Wallet: How PIP Insurance Works in Florida

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Not long ago, my car wouldn’t accelerate. I called a mechanic, and he arrived within half an hour. He turned on the engine, tightened something under the hood, and said, “Done.” The work had taken barely four minutes. When I asked how much I owed him, he confidently replied, “That’ll be $300, sir.” Surprised, I said, “$300 for tightening a couple of bolts?” He firmly responded, “No, tightening the bolts is free. I’m charging you for knowing which bolts to tighten.”

This example perfectly illustrates how the right knowledge gives us access to effective solutions and helps us understand the resources and limits of any situation. The same applies to auto insurance. In Florida, it’s mandatory to have Personal Injury Protection (PIP) insurance of at least $10,000 and Property Damage Liability (PDL) insurance of $10,000.

But what does having PIP insurance really mean? Let’s break it down.

Who Does PIP Cover?

PIP insurance protects people involved in a car accident, including the policyholder and the passengers in the vehicle at the time of the accident.

Since Florida is a no-fault state, it’s not necessary to prove who was at fault for the accident for coverage to apply. Each vehicle’s PIP policy only covers its owner and passengers.

What Does PIP Cover?

PIP insurance includes:

  • Medical Expenses: Covers 80% of medical costs up to a $10,000 limit.
  • Lost Wages: Covers 60% of lost income if the policyholder or passengers are unable to work.
  • Death Benefit: Provides $5,000 for expenses related to the death of someone involved in the accident.

Example:
If the total medical expenses amount to $10,000, PIP insurance will cover $8,000, leaving the remaining $2,000 as a copay for the insured. If you have health insurance, it might cover the additional $2,000.

Additionally, PIP will protect you if you’re injured as a pedestrian and will also cover your children while traveling on school transportation.

What Doesn’t PIP Cover?

PIP does not cover:

  • Medical expenses exceeding the $10,000 limit.
  • Injuries resulting from fraudulent, self-inflicted, or alcohol/drug-related accidents.
  • Accidents occurring while committing a felony.

Claim Process

Florida laws are strict regarding deadlines and procedures for submitting a valid PIP claim:

  • Medical Attention Within 14 Days: To validate the claim, the affected person must receive medical care within 14 days of the accident.
  • Notify Your Insurer: Inform your insurance provider as soon as possible. They’ll provide a claim form to complete.
  • Complete Documentation: The form must include precise details about the accident, such as the police report, medical records, invoices, and evidence of lost wages.

Even though Florida is a no-fault state, the law doesn’t prevent you from suing the at-fault driver if the physical or economic damages exceed your PIP coverage limits.

In Conclusion

Personal Injury Protection insurance is essential to comply with Florida regulations and, more importantly, to ensure you and your passengers receive the necessary medical care regardless of who caused the accident.

If you want more information about your auto insurance or how to optimize your coverage, call Univista Insurance. Our specialized advisors will be happy to assist you.

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