Personal Injury Protection, or "No-Fault" car insurance, is mandated by the state of Florida for all drivers to carry. PIP pays for injuries you sustain in an accident regardless of who was at-fault in the accident. Just like other states that mandate PIP however, Florida has its own set of special laws and regulations.
What is Covered by Florida PIP?Like in New Jersey and Michigan, Florida PIP covers medical costs, lost wages and death benefits.
Medical CostsMost medical costs will be covered by PIP with the exception of popular, but not widely accepted practices such as acupuncture. In other states, PIP will generally cover the injuries of anyone in your household, but in Florida you can choose whether you want your PIP to cover just yourself or other residents in your household. The following are eligible for a PIP claim:
Florida PIP and Economic BenefitsIf you are injured in an accident, and are disabled, Florida PIP will pay for 60% of your lost wages, subject to a $10,000 limit. This payment also includes services you would normally do, but now cannot because of the accident. These services include daily chores like doing laundry, cleaning the house, taking care of pets, etc.
Death Benefits of Florida PIPIf the policyholder were killed, PIP would pay for their funeral and burial expenses in addition to the benefits listed above. You, or your next of kin, are entitled to $5,000 for those associated costs.
When and How to File a PIP Claim in FloridaFlorida has strict rules to follow when filing a claim for PIP. The most important is that treatment for any injuries must happen within two weeks of the car accident to be eligible for PIP reimbursement. Your claim will not be accepted after 2 weeks. Due to a high incidence of insurance fraud in the state of Florida, your insurer has up to 60 days to investigate your claim for any falsehood, but must pay for your damages within 30 days, even if there is suspicion.