Florida is one of a handful of states with a "no-fault" insurance system. Understanding how PIP works is critical to protecting your rights after any accident.
What PIP Covers
Under Florida law, every registered vehicle must carry at least $10,000 in Personal Injury Protection (PIP) coverage. PIP covers:
- 80% of reasonable medical expenses
- 60% of lost wages
- $5,000 in death benefits
- Replacement services (household tasks you cannot perform)
PIP applies to you, your resident relatives, and passengers in your vehicle — regardless of who caused the accident.
The 14-Day Rule
You MUST seek medical treatment within 14 days of the accident to qualify for PIP benefits. Missing this deadline disqualifies you entirely — even if you were clearly injured. If you've had an accident, see a doctor immediately.
Emergency Medical Condition (EMC) vs. Non-EMC
If a doctor certifies your injury as an Emergency Medical Condition, you can access the full $10,000 in PIP benefits. If you are not diagnosed with an EMC, your PIP coverage is capped at $2,500.
What PIP Does NOT Cover
- Pain and suffering
- Property damage
- Injuries above the PIP limits
- Injuries to motorcyclists
When You Can Sue the At-Fault Driver
To step outside the no-fault system and sue for pain and suffering, your injuries must meet the "serious injury threshold" — permanent injury, significant scarring, or death.
If your injuries are serious, Gonzalez Munoz Law can help you pursue full compensation beyond PIP limits. Call 305-770-6666 for a free consultation.