Does PIP Insurance Cover Passengers?

A critical component of Florida auto insurance, PIP is a mandatory provision designed to provide immediate access to coverage for injuries incurred in car accidents. Attorney Terence A. Gross explains that PIP has been mandatory in Florida since the 1970s, in part because many residents lacked health insurance coverage at that time.

Often referred to as no-fault insurance, PIP is named for its individual coverage; those involved in accidents seek coverage from PIP policies they've already purchased, regardless of whether or not they were at fault. Attorney Terence Gross believes that local insurance providers hate this no-fault approach — and he warns that many will make every effort to get out of it.

Rather than establish fault through the local court system, PIP provides up to $10,000 in immediate coverage. This includes 80 percent of medical bills related to injuries sustained during the injured party's car crash. By providing this immediate source of coverage, the state aims to limit payment delays and streamline the court's involvement in determining fault.

Gross & Schuster, P.A.
803 N Palafox St.
Pensacola, Fl 32501
[phone]