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Personal Injury Protection In Florida

Florida is one of ten states that have personal injury protection (PIP) auto insurance. Also known as no fault insurance, the intention was to provide injured drivers up to $10,000 in immediate medical coverage in lieu of establishing fault through the court system. The $10,000 is designed to cover your own injuries and lost wages resulting from auto accidents, regardless of who is at fault in the accident.

Requirements Under the PIP Law:

  1. Medical care for injuries resulting from an auto accident must be sought within 14 days of the accident. Failure to do so means that PIP benefits will not be paid.
  2. Initial care and services can be provided by medical doctors, doctors of osteopathic medicine, chiropractors, dentists, hospitals, facilities owned by a hospital, and emergency medical personnel.
  3. You must be diagnosed with an emergency medical condition (EMC) in order to receive the $10,000.00 of PIP benefits that you are required to carry.
  4. Lack of an EMC diagnosis results in a PIP reduction to $2,500.
  5. Emergency Medical Condition diagnosis can only be made by medical doctors, doctors of osteopathic medicine, advanced registered nurse practitioners.
  6. Massage therapy and acupuncture are not covered by the Florida PIP law.

Limits and Exclusions of PIP:

PIP has limits ranging from $2,500 to $10,000. If your losses exceed the limits of your policy or involve non-economic damages, you will have to look outside of your PIP coverage for full and fair compensation. Non-economic damages include:

  1. Pain and suffering
  2. Emotional pain and distress
  3. Loss of enjoyment of life
  4. Permanent impairment and disability

For more information on Personal Injury Protection, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (727) 827-7777 today.

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6617 Gulfport Boulevard South
South Pasadena, Florida 33707
Phone: 727-827-7777

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