Personal Injury Protection (PIP) in Florida Auto Insurance Explained

Personal Injury Protection (PIP) is required auto insurance in Florida that pays for your medical bills and lost wages after an accident, regardless of who is at fault. PIP is part of Florida’s no‑fault system and provides fast medical benefits up to $10,000.

PIP pays 80% of medical expenses and 60% of lost wages, subject to policy limits.

What PIP Covers

• Medical bills (hospital, doctor, ambulance)
• Lost wages if injuries prevent you from working
• Replacement services (childcare, housekeeping)
• Death benefits up to $5,000

PIP pays these benefits regardless of fault.

How PIP Works in Florida

Florida requires every driver to carry at least $10,000 in PIP. After an accident:

• PIP pays 80% of medical bills
• PIP pays 60% of lost wages
• PIP pays 100% of replacement services

Medical treatment must begin within 14 days of the accident for PIP to apply.

Who PIP Covers

• You (the insured)
• Your household relatives
• Your passengers
• You as a pedestrian or bicyclist

PIP follows the person, not just the vehicle.

Common Florida PIP Examples

• You’re rear‑ended at a stoplight — PIP pays your medical bills.
• You miss work due to injuries — PIP pays part of your lost wages.
• Your child is injured while riding in your car — PIP covers their treatment.

PIP vs. MedPay

• PIP: Required, pays 80% of medical bills and 60% of lost wages.
• MedPay: Optional, pays remaining medical costs up to the limit.

Most Florida drivers carry MedPay to cover PIP’s 20% medical copay.

What PIP Does NOT Cover

• Vehicle repairs
• Property damage
• Pain and suffering
• Injuries to other drivers (covered by BI)

Florida‑Specific Notes

• PIP is mandatory for all registered vehicles.
• Medical treatment must begin within 14 days.
• PIP fraud is a major issue in Florida — carriers monitor claims closely.
• PIP limits are fixed at $10,000 unless reduced by injury severity.

Personal Injury Protection (PIP) provides fast medical and wage benefits for Florida drivers after an accident, forming the core of the state’s no‑fault auto insurance system.

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