Five Facts About Florida’s PIP Laws
  • Story Highlights:

As all drivers in the state of Florida know, the law requires you to carry $10,000 in Personal Injury Protection (PIP) insurance. PIP, also called “no fault insurance” were designed to help cover the expenses of medical costs after an accident regardless of who caused the accident. However, even though all drivers have PIP coverage, many people still don’t understand how PIP works. Here are five facts about PIP laws to help you understand the coverage, how reimbursement works, and what to do after a vehicle accident.

You Must Receive Medical Care In Order To Access Your PIP Benefits

PIP is designed to specifically cover the costs of medical expenses following a motor vehicle accident. In fact, in order to receive the benefits, you have to see a physician within 14 days of your accident. If you fail to do so, your PIP benefits will be denied and you won’t be able to use them to cover your medical bills. So make sure to see a doctor immediately after an accident.

The Amount Of PIP Benefits You Receive Varies

Even though we all pay for a minimum of $10,000 in PIP coverage, we will not automatically get $10,000. Furthermore, the money won’t go directly into our bank accounts. The benefits will be paid in the amount your injuries and associated damages like missed work, prescription costs, and physical therapy up to $10,000. For example, if treatment of your injuries cost $200 for a doctor’s visit, $100 for an x-ray, and $80 for prescription pills, you will not get the full benefit of $10,000 and each provider will be paid directly by your insurance company.

PIP Benefits Have Limitations

Though we all carry $10,000 in coverage, we actually only get $2500 in benefits with the exception of an emergency medical condition. Emergency medical conditions have to be diagnosed as such by a physician or qualified medical practitioner like a physician’s assistant, nurse practitioner, or dentist. Once diagnosed with an emergency medical condition we can access the full benefit value. Furthermore, there are many types of treatment including massage therapy and acupuncture that will not be covered under PIP.

PIP Does Not Cover 100% Of Medical Bills

First of all, PIP will be divided to cover the medical expenses of everyone injured in an accident no matter who is at fault. Secondly, PIP benefits actually only covers 80% of necessary medical expenses including prescriptions, physical therapy, and rehabilitation. You can also use your benefits to cover the mileage to and from the doctor and 60% of your lost wages as a result of your injuries. With the high costs of medical care, many people draw their entire benefits and still owe money.

PIP Does Not Cover Property Damages

PIP is designed specifically to only cover medical bills. Any damage to your vehicle or the other driver’s vehicle are covered by liability, physical damage, comprehensive, or collision benefits depending on your specific insurance policy. PIP is not designed to replace other forms of car insurance, it’s specifically for medical expenses following an accident. You are also not limited to only carrying the $10,000 benefit or only carrying PIP for medical expenses. You can raise your coverage value of PIP or get add on insurance like MedPay to help cover any potential medical expenses.

PIP is helpful in covering medical costs after an accident. However, because of the legal limitations it may not cover all the damages you incur following an accident. Accident damages can be expensive, they include everything from medical expenses to lost wages and benefits to property damage. After a bad accident, you may need help covering all these expenses. The legal team at Justice Pays can help. We’ll fight to make sure you receive the full benefits you are owed through the PIP program, and help you pay for all your accident-related expenses. Contact us at your nearest Florida office for a free case review to learn more!