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Florida Car Insurance 101: What is PIP (Personal Injury Protection) Coverage?
FAQ
How does PIP insurance work in Florida?
In addition to medical wage, PIP in Florida will pay for 60% of your lost wages up to the total $10,000 limit. This coverage may also extend to things you would normally be able to do but can no longer do because of your injuries, including some home care expenses, such as: Cleaning your house. Taking care of pets.
Is it worth having PIP insurance?
If you live in an at-fault state and can afford to cover medical expenses without making a PIP claim, you may want to skip coverage. However, the generous PIP limits and the typically low costs for coverage make it an enticing option for all eligible drivers.
Do you have to pay back PIP in Florida?
With Florida PIP insurance, the law does NOT allow subrogation of medical bills or wages paid through Personal Injury Protection or PIP. Thus, you generally DO NOT have to pay back your car insurance for the monies that is paid towards your medical bills and wages BY PIP.
Do I need PIP insurance if I have Medicare in Florida?
If you are a Medicare or Medicaid recipient, you may presume that you may also use these policies to pay additional expenses. However, that is not always the case. Florida laws require you to use your PIP coverage or other health insurance first for all expenses and damages.