You may have already heard the term “PIP” or “Personal Injury Protection” if you or a loved one has been injured in a car accident in Florida. Understanding how PIP works in an accident is important since it plays a central role in paying accident-related claims for medical bills and lost wages.
Whether you are filing your own claim or trying to understand what may be covered after a crash, knowing the basics can help you protect your rights and avoid costly mistakes.
What Is Personal Injury Protection (PIP) in Florida?
Personal Injury Protection, or PIP, is a type of car insurance coverage required in Florida under the state’s no-fault insurance law. This means that after a car accident, your insurance company pays for a certain portion of medical expenses and lost wages, regardless of who may be at fault for the crash.
Every motorist in Florida must carry a minimum of $10,000 in PIP coverage as part of their auto insurance policy.
What Does PIP Cover in Florida?
PIP is designed to pay for certain expenses related to injuries resulting from a car accident. Some expenses that are typically covered include:
- Medical expenses: PIP will cover up to 80 percent of your necessary and reasonable medical expenses after a car accident. This includes bills for hospitalizations, surgical procedures, ambulance fees, diagnostic services, and rehabilitation.
- Lost wages: PIP may cover up to 60 percent of your lost income if your injury in a car accident prevents you from working.
- Death benefits: PIP can provide up to $5,000 in death benefits to a surviving family member to help with funeral and burial costs if the accident results in death.
These benefits are available after a car accident regardless of who caused your crash.
Important PIP Deadlines and Limitations in Florida
Florida PIP benefits come with strict rules and deadlines. You must seek medical treatment within 14 days of your car accident to receive PIP benefits. Failure to do so could result in a complete denial of your claim. The coverage you receive will also depend on the type of treatment.
Your PIP benefits may be capped at just $2,500 rather than the full $10,000 if your medical provider determines that your injury was not considered an “emergency medical condition.”
Who Is Covered by PIP After an Accident in Tampa, Florida?
PIP covers more than just the driver of the vehicle, depending on the terms of your policy and how you’ve set it up. Benefits may also be available for:
- The policyholder
- Passengers in your vehicle
- Household members
- Pedestrians and bicyclists struck by your car
- You, if you are injured as a pedestrian or while riding in someone else’s car
PIP ensures that most accident victims receive immediate medical care without waiting for a liability investigation or lawsuit to be resolved, which could otherwise take months or years.
When Can You Recover Additional Compensation?
PIP covers many injuries and is typically the exclusive remedy for immediate compensation after an accident. However, there are situations where you can go outside the no-fault system and file a lawsuit against the at-fault driver.
Based on the facts of your case, you may pursue a personal injury claim for additional compensation if:
- Your injury is considered “serious” under Florida law
- Your medical expenses exceed your PIP coverage
- You suffer permanent injuries, significant scarring or disfigurement, or the loss of bodily function
- You’re involved in a crash with a drunk driver
Other exceptions might apply as well in some cases. You may be able to recover damages for pain and suffering, emotional distress, and other non-economic damages in these situations that PIP does not cover. A car accident lawyer can help determine whether you may be entitled to additional compensation.
Common Issues with PIP Claims in Florida
PIP is supposed to provide quick and easy access to medical care after a car accident. However, the process is not always smooth. Common issues include:
- Claim denials: Insurance companies often deny PIP claims on technical grounds, such as missing the 14-day treatment window or disputes over whether a condition is “emergency” in nature.
- Underpayment: You may find that the insurance company pays less than expected or disputes certain medical charges.
- Delays: Delays are common, especially if your insurer investigates your injury or treatment.
It is important to speak with a personal injury lawyer immediately if you have problems with your PIP benefits. A lawyer can help you appeal a denied claim, fight for the full amount you are owed, or pursue a claim against the at-fault driver if your injuries are severe.
Contact a Tampa Car Accident Lawyer Today
Florida’s PIP coverage is meant to streamline accident claims and provide quick access to medical treatment. However, strict rules and low coverage limits can leave many injured drivers and passengers without necessary compensation. Understanding how PIP works can make all the difference after an accident.
If you or a loved one has been injured in a car crash in Florida, do not wait. Contact an experienced Tampa car accident lawyer from Winters & Yonker Personal Injury Lawyers. We can help you fight for the full compensation you deserve. Call us today at (813) 223-6200 for a free consultation.
