What is Personal Injury Protection (PIP)? Understanding Florida law with C. Todd Smith

𝐀𝐫𝐞 𝐲𝐨𝐮 𝐟𝐚𝐦𝐢𝐥𝐢𝐚𝐫 𝐰𝐢𝐭𝐡 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐈𝐧𝐣𝐮𝐫𝐲 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 (𝐏𝐈𝐏) 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞? 🚘
In Florida, PIP coverage is required to be purchased by all owners of motor vehicles registered in this state. It pays 80 percent of all necessary and reasonable medical expenses incurred as a result of a covered injury, regardless of who caused the accident. This includes medically necessary medical, surgical, x-ray, dental, and rehabilitative services, including medically necessary ambulance, hospital, and nursing services.

Did you know? Payment is conditioned on an individual receiving initial medical services within 14-days after the motor vehicle accident. Follow-up care may be contingent on the covered person being diagnosed with an emergency medical injury. PIP also pays 60 percent of work loss and a $5,000 death benefit.