Understanding Florida’s Personal Injury Protection (PIP) Laws

Florida is a “no-fault” insurance state, meaning that after most car accidents, your own insurance pays for certain medical expenses, regardless of who caused the crash.

This system is known as Personal Injury Protection (PIP).

What Does PIP Cover?

• 80% of necessary medical expenses

• 60% of lost wages

• Up to $10,000 in benefits (depending on injury severity)

The 14-Day Rule

You must seek medical treatment within 14 days of the accident to qualify for PIP benefits.

When Can You Sue the At-Fault Driver?

If your injuries meet Florida’s “serious injury threshold” such as permanent injury, significant scarring, or loss of bodily function — you may pursue a claim beyond PIP for pain and suffering damages.

Navigating PIP claims can be complicated, especially when insurers dispute the seriousness of injuries. An experienced Brevard personal injury attorney can determine whether your case qualifies for additional compensation beyond PIP coverage.