Florida PIP Insurance
Complete Guide
Florida's no-fault insurance system requires all drivers to carry Personal Injury Protection (PIP) insurance. Understanding how PIP works is critical to protecting your rights after an accident.
Florida PIP 14-Day Rule: Seek medical care within 14 days to preserve up to $10,000 in PIP benefits. Call 407-486-6147 for a free referral.
What Is Florida PIP Insurance?
Florida Personal Injury Protection (PIP) is a type of no-fault insurance that covers your medical expenses and lost wages after an accident, regardless of who caused the crash. Florida law requires all registered vehicle owners to carry a minimum of $10,000 in PIP coverage.
What Does Florida PIP Cover?
Florida PIP covers 80% of your medical expenses up to $10,000 for emergency medical conditions, or up to $2,500 for non-emergency conditions. It also covers 60% of lost wages and 100% of replacement services up to the policy limit.
The Critical 14-Day Rule
Florida law requires you to seek medical care within 14 days of the accident to preserve your PIP benefits. If you wait longer than 14 days, you may lose your right to PIP coverage entirely.
Emergency vs. Non-Emergency Conditions
If your condition is classified as an emergency medical condition (EMC) by a licensed physician, you can access the full $10,000 in PIP benefits. Non-emergency conditions are limited to $2,500.
How to File a PIP Claim
Notify your insurance company of the accident promptly. Seek medical care within 14 days. Your medical provider will typically bill your insurance company directly. Keep records of all medical treatment, bills, and correspondence with your insurer.
What If My PIP Claim Is Denied?
If your PIP claim is denied or disputed, you have the right to challenge the denial. Common reasons for denial include missing the 14-day deadline, treatment deemed not medically necessary, or policy exclusions.
Need a Doctor After Your Accident?
Free 24/7 referral to PIP-accepting doctors throughout Florida.