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What is personal injury protection?

Updated: Feb 20, 2023

Personal Injury Protection (PIP) insurance is a type of car insurance coverage that provides financial protection for the policyholder in the event of an accident. This type of protection is required by law in the state of Florida and is designed to help cover the costs associated with medical expenses and lost wages in the event of an accident, regardless of who is at fault.


Why is Personal Injury Protection required in Florida?

In Florida, all registered drivers must have Personal Injury Protection (PIP) insurance coverage in their policy. The state of Florida has a no-fault insurance system, which means that each driver's insurance policy will cover their own medical expenses and lost wages in the event of an accident, regardless of who is at fault for the first $10,000.


Florida is also notorious for having drivers that do not have any bodily injury coverages which is where PIP can help. Although, it is also important to note that if your injuries are more severe, PIP may not be enough to cover your medical expenses. That is why uninsured or Underinsured Motorist protection is a great add on to have for any car insurance policy in the state of Florida. (click here to read more on uninsured/underinsured motorist policies).


What does Personal Injury Protection cover?

Personal Injury Protection (PIP) insurance covers:

  • Medical expenses: Covers the costs of medical treatments, hospital stays, and rehabilitation services incurred as a result of an accident.

  • Lost wages: Covers a portion of lost wages if you are unable to work due to your injuries.

  • Death benefits: Provides death benefits to the surviving spouse and dependents if the policyholder dies as a result of an accident.

  • Funeral expenses: Covers the costs of the policyholder's funeral in the event of their death.

What does Personal Injury Protection not cover?

While Personal Injury Protection (PIP) insurance covers a wide range of expenses, it does not cover all costs associated with an accident. Some expenses that PIP insurance does not cover include:

  • Pain and suffering

  • Property damage

  • Punitive damages

How does Personal Injury Protection work?

In the event of an accident, the policyholder's Personal Injury Protection (PIP) insurance policy will provide coverage for medical expenses and lost wages, regardless of who is at fault. The policyholder should contact their insurance company as soon as possible to file a claim and begin receiving benefits.


Personal Injury Protection vs. Personal Injury Liability insurance?

Personal Injury Protection (PIP) insurance and liability insurance are two distinct types of car insurance coverage. PIP insurance covers the policyholder's own medical expenses and lost wages, while liability insurance covers the costs associated with injury or damage to someone else's person.


How a Personal Injury Attorney Can Help After an Accident:

If you are involved in a car accident and are in need of financial coverage, a personal injury attorney can help you navigate the claims process and ensure that you receive the full benefits of your PIP coverage. They can also assist in finding a doctor to provide the necessary medical treatment, and they can help negotiate with insurance companies to ensure that you receive a fair settlement.


An accident attorney can also help you determine the extent of your PIP coverage and help you understand what expenses it covers. They can also assist if your insurance company denies your claim or if you are dissatisfied with the settlement offer. A personal injury attorney can provide valuable guidance and support during a difficult time and help you get the compensation you deserve. That’s why you should call the experienced accident attorneys at Demesmin and Dover Law Firm at 866-954-MORE (6673).


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