Every driver registering a car in Florida is required to maintain, at a minimum, an insurance policy which includes PIP
(Personal Injury Protection). The coverage pays benefits after an accident, regardless of fault, to the policyholder
and household residents for their bodily injuries. There are several PIP options to choose from which can save
The required limits for each individual is $10,00 and is paid out for 80% of medical related costs, 60% for missed
work, and $5,000 in case of a fatality. The named insured or policyholder is allowed to elect a deductible of 250, 500,
or 1,000 dollars. In addition, the option for lost wages (missed work) can either be included or left off. On top of this,
the deductible and missed work selections can be applied to the policyholder only or to all the household residents.
Anytime coverage is left out or reduced the rate quote is lower .
An excellent additional coverage to consider on your Florida car insurance policy is Bodily Injury Liability (BI). This
coverage pays after an at fault accident for another persons injuries and not to the policyholder or their household
residents. Some companies will not sell a policy with PIP unless there is also BI. Most companies will place a risk or
applicant into a better tier with lower rates when BI is included. Sometimes adding coverage can actually lower the
overall cost of a policy.
Most insurance agents do not go over all the available choices when it comes to PIP when a potential applicant is
receiving a quote. Knowing about these options is important when considering your car insurance. Keep in mind that
reducing coverage does not always mean lower rates and it can leave you unprotected.
PIP Questions With Answers
What is PIP ?
PIP is the common abbreviation for Personal Injury Protection. PIP is for benefits payable under the Florida auto
insurance policy which is mandated by the Florida Motor Vehicle No Fault Auto Insurance law .
What is the name of the Florida law that requires PIP ?
Florida Motor Vehicle No Fault Law is the name of the Florida statute that requires PIP coverage on all vehicles
registered in the state of Florida.
Who is insured by PIP ?
The named insured and all resident relatives are covered under the PIP coverage of your policy. Resident relatives
are not required to be listed drivers on the policy for coverage to apply.
Which vehicles are covered by PIP ?
All cars owned by you and listed on your policy is covered by the PIP portion. Also, any trailer designed for use with a
private passenger vehicle and not used for business is considered a covered vehicle.
What does PIP cover ?
Personal Injury Protection benefits include: Medical benefits, disability benefits, and death benefits.
What is the amounts payable when PIP coverage applies ?
The amount of death benefit payable for an insured person is $5,000.
Medical benefits are payable at 80% of the amount incurred due to a covered injury. Disability benefits are payable
at 60% of any lost wages incurred due to a covered injury. The total amount payable under PIP for any one accident
Is there a deductible under PIP coverage ?
Florida Motor Vehicle Law allows a deductible of no more than $1,000 for PIP coverage. Choosing a deductible is
optional and will lower the premium if you elect one. Also, work loss exclusion is allowed under the law and if elected
your premium will be lower and you will not receive any benefit from lost wages due to a covered injury.
Is PIP an optional coverage ?
PIP is not optional coverage for any vehicle registered in the state of Florida as mandated by the Law. Bodily Injury
Liability is not optional when a Florida FR 44 insurance or Florida SR 22 insurance is required.
Does someone else have to be at fault to collect payments under PIP ?
No. Regardless of fault PIP coverage from your insurance policy provides benefits for a covered injury.
Do all insurance policies have PIP coverage ?
Not all states require automobile insurance policies to have PIP coverage. All registered vehicles in Florida are
required to carry PIP coverage.
When does coverage under PIP apply ?
Coverage applies when the named insured or any resident relative is injured while occupying a motor vehicle. Also,
coverage applies if an insured person is stuck by a motor vehicle as a pedestrian.
Do PIP benefits increase by the number of cars on my policy ?
No. A premium is collected by your insurance company for each motor vehicle listed on the policy; however, this does
not increase benefits.
If I have health insurance to cover my injuries does PIP still apply ?
If an insured person sustains injury due to a covered event benefits are payable under PIP regardless of any health
insurance the injured person carries.
Are an attorney and a law suit required to collect payments under PIP ?
No. All top rated standard insurance companies will pay the PIP benefits to a covered person with out the need of an
attorney or law suit.
What happens if I cancel my PIP policy and have a registered vehicle ?
Your insurance company will notify the Florida Motor Vehicle Department of the cancelled policy. A notice will be sent
to the registered vehicle owner inquiring about the status of any new policy which may have been purchased. Failure
to respond to the notice or maintain required PIP coverage will result in the registered vehicle owner’s driver’s license
being suspended. Florida SR-22 insurance may be required for license reinstatement .
I live in Florida part time of the year do I still require PIP coverage ?
Any vehicle registered in the state of Florida is required to carry PIP coverage even if that vehicle is not in use or is
in another state part of the year.
Am I covered by my PIP if I’m driving outside the state of Florida ?
A Florida resident who is covered under the PIP portion of a policy is covered while driving that vehicle outside the
state of Florida.
What is extended or additional Personal Injury Protection Coverage ?
This is optional coverage not mandated by law which is offered by some companies. For an additional premium your
insurance company may increase the total amount payable under PIP over the $10,000 mandated. Your company
may also increase the percentages payable under the medical and disability portion of the PIP benefits. Typically the
increase for medical would be from the 80% required to 100% and the disability benefit from the required 60% of lost
wages to 80%.
What happens if PIP coverage applies from more than one policy ?
If there is other applicable Personal Injury Protection for the same injury the most that is collected is the maximum
$10,000 amount required by law. Each company’s policy will be responsible for their pro-rata share of benefits
Does the insurance company decide which doctor or hospital I use ?
No. Any doctor or hospital will be paid under the PIP benefit for medically necessary treatment due to a covered
What exactly does resident relative mean ?
Any relative by any degree of blood or marriage and usually resides at the home of the named insured. This includes
a resident relative residing temporarily somewhere else, such as a student away at college.
What is excluded from benefits being paid under PIP ?
If you own a car that is not insured under your auto insurance policy and are injured in that vehicle benefits will not
apply. Any injury sustained by a person operating a covered auto without your express or implied permission. Any
intentional bodily injury will not be covered. Any injury sustained in the commission of a felony will not be covered.
A person other than you or a resident relative and has coverage under another Florida auto policy which has PIP
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