Florida PIP Insurance

Florida PIP insurance (Personal Injury Protection) is one of the two things required by the Florida No Fault Auto Insurance law, the other one being PDL (Property Damage Liability). It is mandatory and the law requires you to carry a minimum of $10,000 of Personal Injury Protection.

Who does Florida PIP insurance cover?

Florida PIP insurance covers the driver and all passengers in the car at the time of an accident. PIP will also cover anyone living in your household is driving your car at the time of the accident (for example your teenage kid), but only if they don’t have a car of their own and if you have listed them on your PIP application.

How long do I have to wait before receiving my PIP insurance benefits?

PIP Insurance takes care of medical bills

The good thing about Florida No Fault Insurance Law is that you don’t have to wait for all the insurance companies involved to determine fault before paying you. Florida PIP insurance pays right away which is rather convenient in the unfortunate event of you facing huge medical bills as a result of an accident.

Most people have the “It will never happen to me” mentality. Do yourself a favour and think about this for a minute. If you have an accident you will be faced with at least $2,000-$3,000 bill and that is only for ambulance, emergency room, initial check up and x-rays. If you require extensive treatment and rehab, the bill will be times that.

It really does not matter how good of a driver you are, because you have no control over other people and their stupidity on the road. When it comes to your family, your loved ones, is it really worth driving without PIP insurance? It is your responsibility to have them covered.

What if I have to take time off work because of an accident?

Florida PIP insurance will pay you up to 60% of your gross income plus of course any reasonable expenses during your recovery.

In the even of your death, caused by a car accident, Personal Injury Protection will pay $5,000 your beneficiary.

In summery, Florida PIP insurance is required by law and you must not drive without it. PIP covers you, your family and any passengers in your car in the unfortunate event of an auto accident. Maximum amount payable is $10,000 per individual, per accident.

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