FAQs About Florida’s PIP Insurance Coverage


In the state of Florida, motorists are required to file claims for their own insurance companies after an auto accident takes place. Regardless of who is at fault for an accident, a motorist can file a claim after the accident for PIP insurance coverage. We wanted to answer a few questions about PIP coverage and what you can expect from this form of insurance coverage in the state of Florida:

What does PIP cover?

PIP insurance will cover your medical benefits, disability benefits and death benefits.

Medical benefits coverage:

PIP will cover 80% of a person’s medical costs up to $10,000. PIP could cover up to 80% of a medically necessary surgery and $2500 worth of testing or early diagnostics.


PIP will pay victims who are unable to work or access income after an accident. The benefit is limited to $10,000 maximum but this can protect people that are unable to work for a few weeks after their accident.

Death benefits:

if an auto accident leads to an insurance policyholders death PIP coverage will pay up to $5000 per burial and funeral expenses.

14 day rule:

For PIP insurance claims to be valid a victim needs to seek medical attention within 14 days of their accident. A failure to seek assistance could lead to the denial of the insurance claim.

What if PIP cannot cover medical costs?

If PIP insurance is unable to cover medical costs, you do have the right to sue and at fault party. If your injuries are life altering you have the right to protect yourself and use PIP coverage as well as sue towards receiving extra compensation. Working with an experienced personal injury lawyer will ensure that you can seek the compensation that you deserve.

Contact our personal injury lawyers today to learn more about what you can qualify for and how PIP insurance coverage can assist you. If you been involved in accident, we are ready to represent you to ensure that you get the best in compensation.

This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an St Petersburg Personal Injury Attorney She focuses on personal injury, car accidents, and bicyclist injury. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.

The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only.  Information on this website may not constitute the most up-to-date legal or other information.  This website contains links to other third-party websites.  Such links are only for the convenience of the reader, user or browser; the ABA and its members do not recommend or endorse the contents of the third-party sites.

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