What is Personal Injury Protection?

Personal Injury Protection, or PIP, is one form of automobile insurance coverage that is mandated by the State of Florida.

An automobile insurance policy issued in the State of Florida will protect the name insured, relatives residing in the same household, persons operating the insured motor vehicle, passengers in the vehicle and any other persons struck by the vehicle suffering bodily injury up to a limit of $10,000 in medical benefits and $5,000 in death benefits.

PIP is often referred to as “No-Fault Insurance” because it applies no matter who is at fault. But always be aware of some situations / modes of transportation are not included, such as farm equipment, recreational vehicles, mopeds, and motorcycles. Additionally, in recent years at the request of the automobile insurance industry, Florida’s legislators have made substantial changes to the law to restrict people’s ability to get PIP benefits, to limit the medical treatment and to limit what the medical providers can charge for their services.

For help with your PIP benefits, contact us today and let the injury lawyers at Payer & Associates handle your case.