What is Personal Injury Protection (PIP) insurance?

Under Florida law, all drivers are required to purchase Personal Injury Protection, commonly referred to as PIP. Personal Injury Protection is a type of insurance that helps cover medical costs and lost wages that result from a motor vehicle accident. All drivers must carry at least $10,000 PIP coverage.

Florida is a no-fault state when it comes to medical bills that arise from motor vehicle accidents. This means that if you suffer injuries in a car accident, your own insurance company will pay PIP benefits to cover your medical expenses, regardless of who caused the crash. Because coverage does not depend on fault, your PIP policy will pay 80 percent of your medical costs and 60 percent of your lost earnings.

If your expenses go beyond your PIP benefits, you may be able to pursue a car accident claim against the at-fault party to recover the rest of your costs, depending on the circumstances of your crash.

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