--- description: In Florida, drivers are required to carry Personal Injury Protection insurance. It can help cover your medical expenses after an accident. title: What is Personal Injury Protection Insurance? | Fran Haasch --- What is Personal Injury Protection Insurance? | Fran Haasch [Home](https://www.lawfran.com/) » [Car Accident Lawyers](https://www.lawfran.com/car-accident-lawyers/) » What is Personal Injury Protection Insurance? # What is Personal Injury Protection Insurance? Last Updated: October 16, 2025 Reading Time: 2 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 8 months ago Table of Contents Our Case results $1,800,000 Car Accidents $1,800,000 Car Accidents $1,550,000 Car Accidents $1,350,000 Car Accidents $1,345,750 Car Accidents $1,300,000 Car Accidents $1,300,000 Car Accidents $1,025,000 Car Accidents $1,025,000 Car Accidents $1,000,000 Car Accidents $1,000,000 Car Accidents $1,000,000 Car Accidents $1,000,000 Car Accidents $895,000 Car Accidents $800,000 Car Accidents $750,000 Car Accidents $750,000 Car Accidents $750,000 Car Accidents $700,000 Car Accidents $700,000 Car Accidents View All Results Our Practice Areas Testimonials Extremely attentive and considerate. Highly recommend them. When I got in my car accident they kept me up to date with everything didn’t have to be on top of them. Very professional. Thank you guys for all you help me with. Julie Rodriguez I was in a car accident a few years ago, they helped me through the process .Very professional and very generous toward the different charities that they help. I've gotten to know a lot of good people throughout the years that are affiliated with them. Thomas Scharf Attorney Fran Haasch was great in helping me with my medical bills and settling my case! They really cared about me and my family. I recommend them, if you have injuries from an automobile accident. Sofia Beshara Contact Us Today Free Consultation Call us Anytime 24/7 (727) 784-8191 EmailThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. [Disclaimer](https://www.lawfran.com/disclaimer-and-terms-of-use/) | [Privacy Policy](https://www.lawfran.com/privacy-policy/)SMS/Text Message Consent I consent to receive text messages from Fran Haasch Law Group Accident & Injury Lawyers at the phone number provided, including messages regarding my inquiry, case updates, and appointment reminders. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Δ In Florida, all [drivers are required](https://www.lawfran.com/car-accident-lawyers/florida-auto-insurance-requirements/) 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. **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](https://www.lawfran.com/car-accident-lawyers/bodily-injury-liability-coverage/) (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](https://www.lawfran.com/car-accident-lawyers/what-happens-if-someone-hits-you-without-insurance-in-florida/) coverage. In this case, you may be able to seek compensation through your own [Uninsured/Underinsured Motorist](https://www.lawfran.com/car-accident-lawyers/underinsured-uninsured-motorists/) (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 id[ea to carry UM/UIM insurance](https://www.lawfran.com/car-accident-lawyers/do-you-need-uninsured-motorist-coverage/) for added protection. For additional coverage, many insurance policies also offer an additional elective provision called [MedPay](https://www.lawfran.com/car-accident-lawyers/medical-payments-coverage-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](https://www.lawfran.com/filing-a-personal-injury-claim/), contact a personal injury lawyer in Florida. An experienced [car accident attorney](https://www.lawfran.com/car-accident-lawyers/) can help you understand your rights and options under Florida law. The Fran Haasch Law Group and our [personal injury attorneys](https://www.lawfran.com/) 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](https://www.lawfran.com/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](https://www.lawfran.com/contact-us/) to get started on receiving maximum compensation for your personal injury case. INJURED IN FLORIDA? The Fran Haasch Law Group Is Here for You. Whether you’ve been hurt in a [motorcycle crash](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck collision](https://www.lawfran.com/truck-accident-lawyers/), or another serious incident, you deserve strong legal representation. Our experienced Florida [personal injury attorneys](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) will fight to protect your rights and help you recover the compensation you need. Schedule Your Free Consultation Share this page Find an Office Near You Our Car Accident Locations At Fran Haasch Law Group Accident & Injury Lawyers, we’re proud to serve clients throughout the greater Tampa Bay area and beyond. With multiple offices across the region, our team is dedicated to making it easy for you to access experienced legal help close to home. Select a location below to learn more about the services available near you. Meet Our Attorneys ## Francoise M. Haasch Founding Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Lifetime Member Known for extensive trial experience and consistent client advocacy across complex injury cases. Meet Francoise M. Haasch ## Joshua R. Lipton Managing Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Recognized for consistent results and strong client advocacy in complex accident cases. Meet Joshua R. Lipton ## David R. Fuller Attorney Over 30 Years Experience Personal Injury Litigation Secured more than a dozen seven-figure settlements for clients. Meet David R. Fuller ## Allen J. Pipkins II Attorney Over 10 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Combines experience from both plaintiff-side injury firms and large insurance companies. Meet Allen J. Pipkins II ## Laura Smith Davies Attorney (Of Counsel) Almost 20 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Known for her versatile trial experience and leadership roles across multiple legal disciplines. Meet Laura Smith Davies Related Content Want to learn more about car accidents? Whether its how to prevent them or what to do once you’ve been in one, [our blog](https://www.lawfran.com/blog/) can help you gather the knowledge and information you need. 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May 8, 2022 According to the Governors Highway Safety Association, 43.6 percent of fatally injured drivers in 2016 tested positive for drugs, and over half of those drivers Read Full Post » ## Contact Us Today (727) 784-8191 Our experienced attorneys are here to help you navigate your legal rights with confidence. PhoneThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. [Disclaimer](https://www.lawfran.com/disclaimer-and-terms-of-use/) | [Privacy Policy](https://www.lawfran.com/privacy-policy/)SMS/Text Message Consent I consent to receive text messages from Fran Haasch Law Group Accident & Injury Lawyers at the phone number provided, including messages regarding my inquiry, case updates, and appointment reminders. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Δ