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What is Personal Injury Protection Insurance?

In Florida, all drivers are required to carry Personal Injury Protection insurance, also known as PIP insurance. This type of no-fault insurance can help cover 80% of up to $10,000 of your medical expenses and some other costs after an accident, regardless of who is at fault.

what is personal injury protection insurance

PIP coverage includes:


      • Medical expenses: PIP can help cover your medical costs, including hospitalization, surgery, chiropractic care, and more (80% of up to $10,000.)

      • Lost wages: If you cannot work because of your injuries, PIP can help reimburse you for a portion of your lost wages. (60% up to a $10,000 limit.)

      • Death benefits: In the event of a fatality, PIP can provide death benefits to the surviving family members. (up to $5,000)

      • Replacement services such as childcare, housekeeping, and yard work

      • Other necessary expenses include mileage to and from medical appointments

    It is important to note that PIP insurance will not cover damage to your vehicle or any property damage. For this coverage, you will need to purchase collision and comprehensive insurance.

    How Does Personal Injury Protection Insurance Work in Florida?

    If you are involved in a car accident, your PIP insurance will be the first type of coverage that will kick in. Once your PIP benefits are exhausted, then you may be able to seek compensation from the at-fault driver’s bodily injury liability (BIL) insurance. However, because Florida doesn’t require drivers to carry BIL insurance, there is a possibility that the at-fault driver will not have any insurance coverage.

    In this case, you may be able to seek compensation through your own Uninsured/Underinsured Motorist (UM/UIM) insurance coverage. UM/UIM insurance can help cover your expenses if you are hit by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.

    PIP insurance will only cover a portion of your expenses, so it’s still a good idea to carry UM/UIM insurance for added protection. For additional coverage, many insurance policies also offer an additional elective provision called MedPay, or Medical Payment Coverage. MedPay ensures that your medical bills are paid up to a specific coverage limit. 

    Contact a Florida Car Accident Lawyer at The Fran Haasch Law Group for Assistance With Your PIP Claim

    If you have questions about PIP insurance or need help filing a claim, contact a personal injury lawyer in Florida. An experienced car accident attorney can help you understand your rights and options under Florida law.

    The Fran Haasch Law Group and our personal injury attorneys are standing by to help car accident victims in Clearwater, Florida, and the Greater Tampa Bay region. We offer free case evaluations to inquiring clients. Our case results speak for themselves, but if you would like to know more about our legal services, please feel free to call (727) 784-8191 or contact us online to get started on receiving maximum compensation for your personal injury case.

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    At The Fran Haasch Law Group, we understand that no amount of financial recovery can undo what you have been through. However, a fair settlement or jury verdict can ease the financial burden of unexpected medical bills, lost income, and other damages associated with your accident.

    We have obtained multi-million-dollar jury verdicts and settlements in cases involving auto accidents and claims concerning wrongful death and catastrophic injuries.

    Founding personal injury attorney, Fran Haasch, is a lifetime member of the Multimillion Dollar Advocates Forum and a member of the American Association for Justice, the Florida Justice Association, and the Tampa Bay Trial Lawyers Association.

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    Our Motorcycle Accident Attorneys Are Ready to Fight For You

    At the Fran Haasch Law Group, we understand how devastating a motorcycle accident can be. We know what it’s like to share the road with negligent drivers because we’re avid bikers ourselves. As proud sponsors of local clubs, active participants in local biking events, and partners with several motorcycle-based magazines, our attorneys are committed to helping fellow motorcyclists.

    We understand personal injury law for motorcyclists and are dedicated to protecting motorcycle rider rights. We take getting justice for our clients seriously, and we back down from no insurance company.

    If you feel you have been the victim of a motorcycle accident through no fault of your own. Our motorcycle accident attorneys are prepared to help you navigate the legal process and work toward securing the maximum payment you are owed. Call (727) 784-8191 or contact our motorcycle accident lawyers today for a free case evaluation to get started on receiving the compensation you deserve for your motorcycle injury case.

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