Personal Injury Protection

Personal Injury Protection, also known as “PIP”, insurance covers you (and certain relatives living in your household) if injured in a motor vehicle accident.  This coverage applies whether the insured individual is the driver, passenger; or a pedestrian struck by a vehicle.  In most cases, PIP policies provide up to $10,000.00 in benefits.

Regardless of who was at fault in causing the accident, your medical bills and lost wages must be first submitted to your own insurance company. This is why PIP insurance is also known as “no-fault insurance’. Regardless of fault, your own insurance company will pay a percentage of your medical bills and lost wages.

There have been changes in Florida law regarding the extent of PIP coverage.  It no longer covers massage or acupuncture services.  Furthermore, if an injury is not deemed to be an emergency medical condition under applicable law , the amount of PIP coverage available will be reduced to $2,500.00.  Also, if you do not seek medical attention for your injuries within 14 days with a medical doctor, chiropractor, dentist or emergency medical technician or paramedic after the motor vehicle accident; you may not be eligible for any PIP benefits from your insurance carrier.

Under Florida law, PIP insurance must pay 80% of your medical expenses and/or 60% of your lost wages up to the policy amount. But that is not all that PIP covers. PIP covers a percentage of other expenses such as lawn maintenance or housekeeping necessitated by injuries caused in a motor vehicle accident and also reimburses mileage expenses for travel associated with medical care treatment.

Extra Medical Payments Coverage

Remember that PIP only pays 80% of your medical bills. Many people also purchase additional coverage known as “Medical Payments Coverage’ (or MedPay). This type of coverage supplements PIP insurance and pays the additional 20% of the medical bills not covered under your PIP policy. It is probably a wise decision to purchase Medical Payments Coverage when renewing or purchasing an automobile insurance policy.