PIP Insurance Minimums
Florida law requires drivers to have minimum coverage for PIP and property damage liability. As long as you have a valid Florida license plate, you must carry $10,000 in PIP benefits and $10,000 in property damage liability insurance.
What Is Covered Under PIP Insurance?
PIP insurance covers you no matter if you or someone else was at fault. A PIP insurance policy will also cover any members of your household who were in the accident, vehicle passengers, and others involved in the accident. If you are a passenger, a bicyclist, or a pedestrian, and are hurt in a crash, you will also be covered under PIP benefits. The benefits cover up to $10,000 in medical expenses incurred after the accident.
Bodily Injury Liability
Bodily injury liability coverage will extend to serious injuries or death to others in an accident. The insurance company will pay for injuries up to the limits of your policy. Medical coverage under bodily injury can include the cost of treatment, disability benefits as a result of time lost at work, and death benefits in the case of wrongful death.
Property Damage Liability
Property damage will include damages caused to other people’s property in an accident involving a motor vehicle. This may include damages to another vehicle, motorcycle, or personal property.
How A Personal Injury Protection Lawyer Can Help
There are many instances in which the insurance company will not pay what is required by law. They improperly deny benefits or only partially pay benefits to the medical providers that treat car accident patients. Our law firm represents these medical providers in their fight against the insurance companies to recover PIP benefits.
Medical providers may include chiropractors, orthopedic physicians, surgeons, medical doctors, physical therapists, diagnostic facilities, and any other medical provider that treats patients injured in car accidents. PIP is an area of law that moves. Insurance policy language and the Florida statute both change often. Our firm brings PIP claims for injured drivers and for the medical providers who treat them, so we track amendments to the PIP statute and changes to insurer policy language as they happen.
Two deadlines matter after a Florida crash. To qualify for PIP medical benefits, you generally must receive initial services and care within 14 days after the motor-vehicle crash under Florida Statute 627.736(1)(a). Other PIP benefit categories and coverage conditions should be reviewed separately. Separately, a negligence lawsuit against the at-fault driver must be filed within two years of the crash under Florida Statute 95.11(5)(a) for crashes on or after March 24, 2023.
