JZ helps (a Florida injury law firm)

Call Now! (888) 594-3577Get a Free Consultation - 24 / 7
Se habla Español
Call Now! (888) 594-3577
Get a Free Consultation - 24 / 7
Se habla Español


  • Home
  • Videos
  • Blog
  • Settlements
    • Injury Settlements
    • Car Accident Settlements
    • Slip, Trip & Fall Settlements
    • GEICO Car Accident Settlements
    • Rear End Car Accident Settlements
    • Motorcycle Accidents Settlements
    • Truck Accident Settlements
    • State Farm Settlements
    • Uber Accidents
    • Progressive Insurance Settlements
    • Bike Accident Settlements
    • Pedestrian Hit By Car Settlements
    • Uninsured Motorist Insurance Settlements
  • About Us
    • About Us
    • See Inside
    • Types of Injuries We’ve Dealt With
    • List of Cities Where We’ve Settled Cases
    • Press Room
  • Fees
    • Our Fees
    • Referral Fees
  • Cases We Handle
    • All personal injury cases
    • Car Accidents
    • Truck Accidents
    • Uber Accidents
    • Slip and Falls and Injuries on Property
    • Cruise Accidents
    • Florida Motorcycle Accidents
    • Pedestrian Accidents
    • Accidents at a Store
    • DUI Accidents
    • Accidental or Wrongful Death
    • Florida Condo and Apartment Accidents
    • Hotel Accidents
  • Get a Free Case Review
  • Reviews
You are here: Home / Florida Motor Vehicle No-Fault Law, Personal Injury Protection (PIP) / What is PIP Auto Insurance Coverage in Florida?

April 11, 2017 By Justin Ziegler, Lawyer 2 Comments

What is PIP Auto Insurance Coverage in Florida?

Head on Car Crash The Basics

In Florida, Personal Injury Protection (PIP) is automobile insurance coverage that allows people to recover from an auto insurance company to which they are an insured for the economic loss (e.g. medical bills, lost wages, etc.) that results from bodily injuries in automobile crash. Fault does not have an effect on PIP.  Florida is a no-fault insurance state.

PIP coverage is minimum required insurance for people who are subject to the law.

Rights in Tort

PIP coverage is given to people instead of their tort rights. When I say “tort rights”, I am referring to the right to sue for economic damages (e.g. medical bills, lost wages, etc.) and non-economic damages (pain, suffering, etc.) arising from negligence.

You keep your tort rights to recover non-economic damages if you have a permanent injury or if a family member is killed in an auto accident.

You May Have a Tough Case if Your Injury Is Small

If you injury is less serious, in most cases you lose your right to sue for non-economic damages if the PIP coverage required by Florida Statute (law) pays for your economic loss.

You do not have to suffer a “permanent injury” to have the right to get your economic damages.

What Does PIP Insurance Pay You For?

PIP pays (regardless of fault) for the following three types of economic loss:

1. Reimbursement of 80% of all reasonable, related and necessary medical expenses for an emergency medical condition if you receive treatment within 14 days after the motor vehicle accident.

If your treatment is for a nonemergency, you may be limited to $2,500 in benefits.  If you wait more than 14 days to see a doctor, your PIP insurance will not pay any of your medical bills.

Does PIP Pay You Mileage Driving to the Doctor?

PIP also reimburses you for your transportation costs for “reasonably medically necessary” medical treatment. Malu v. Security Nat. Ins. Co., 898 So. 2d 69 (Fla. 2005).  In order to be reimbursed for your transportation costs, you should complete a mileage form and send it to the PIP insurer.

Does PIP Pay You for Lost Wages/Income?

PIP reimburses of 60% of lost income or payment for 60% of lost earning capacity. Household Services are generally paid at 100%; and

PIP Insurance Pays a Death Benefit

Payment of a $5,000 death benefit. This is in addition to the $10,000 PIP benefit for #1 and #2.

Florida requires that the above benefits be paid up $10,000 per person. PIP insurance is separate and different from medical payments (med-pay) coverage and bodily injury liability coverage. It is also different than uninsured motorist coverage.

Check out some of the many personal injury cases in Florida that we have settled, including but not limited to car accidents.  We want to represent you if you were injured in an accident in Florida. If you live in Florida but were injured in another state I may be able to represent you as well.

Call us now at (888) 594-3577 to Get a Free Consultation.  There are No Fees or Costs Unless We Recover Money. Call us 24 hours a day, 7 days a week, 365 days a year. We speak Spanish. We invite you to learn more about us.

Related

Filed Under: Florida Motor Vehicle No-Fault Law, Personal Injury Protection (PIP)

I will not become your attorney by you leaving a comment. There is a time limit to file a lawsuit. All comments will be public. This includes the name that you enter. I only represent people who were hurt in Florida or on a cruise ship; or if the injured person lives in Florida or a family member (in the case of a death) lives in Florida. This is because I am only licensed in Florida.

Comments

  1. Vic says

    January 19, 2017 at 8:07 am

    Are Pip claims public information? Ex: bodily injury, lost wages, etc. Thank you

    Reply
    • Justin Ziegler says

      January 19, 2017 at 10:15 am

      Vic:

      PIP claims are typically reported to the ISO database, where other insurers can run a claims report to see someone’s PIP (or other insurance) claims history.

      Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Serving Florida

Get a Free Consultation. JZ helps (a Florida injury law firm)

Get a Free Consult Now

Complete this form to see if I can represent you. We usually respond fast.

"*" indicates required fields

Name*
MM slash DD slash YYYY
We only represent people for injury or death that happened in Florida (or on a cruise). However, if you live in Florida and the incident happened in another state, we may be able to represent you.
If your accident did NOT happen in Florida or on a cruise, and you don't live in Florida, I likely won't be able to represent you.
Select your most serious injury.
For example, damage to a car(s), hazard that you tripped on, incident scene, crash report, major scarring, etc.
Drop files here or
Max. file size: 50 MB.
    By submitting this form I agree to the Terms of Use.

    We’re Open!

    No Fees or Costs if No Recovery

    Florida Injury Lawyer

    Personal injury lawyer Justin "JZ" Ziegler has recovered over $15 Million in settlements for people seriously hurt in accidents in Florida (or on a cruise).

    We want to represent you. Our office is in Coral Gables (Miami-Dade County), Florida. However, we can meet you anywhere in Florida. Call (888) 594-3577 for a Free Consultation Now!

    Search

    Florida Injury Case Types

    • Auto Accident Claims
    • Cruise Accident Claims
    • Florida Motor Vehicle No-Fault Law, Personal Injury Protection (PIP)
    • Foot and Ankle Injury Claims
    • Hand & Wrist Injury Claims
    • Herniated Disc Claims
    • Lyft accidents
    • Personal Injury
    • Premises Liability
    • Shoulder Injury Claims
    • Slip, Trip and Fall
    • Spinal Injuries
    • Truck Accident Claims
    • Uber Accidents
    • Uninsured Motorist Claims
    • Wrongful Death Claims

    Connect With Us

    • Facebook
    • YouTube

    2010

    Super Lawyers

    2005 & 2006 Up & Coming 

    Interviewed by:

    WSVN 7 Miami

    Miami Herald

    NBC6

    CNNwall street journalQuoted in:
    Miami New TimesTBO - Tampa Tribune

    Telegraph

    Member of:Florida Justice Association

    Florida Justice Association, and Florida Bar

    Subscribe to Blog via Email

    Enter your email address to subscribe to this blog and receive notifications of new posts by email.

    We Handle:

    Car accidents, slip and falls, motorcycle accidents, Uber accidents and more.

    We’ve settled many cases with GEICO, State Farm, Progressive, USAA and others.

    We’ve settled cases for people who’ve injured their shoulder, hand, broken a leg, arm, foot and much more.

    Disclaimers

    Follow Us

    • Facebook
    • YouTube

    Attorney Justin “JZ” Ziegler

    Get a Free Consultation Now!

    We’ve had over $11 million in injury settlements for accidents in Miami, Homestead, Hialeah and throughout Florida.

    We’ve settled many personal injury claims in Miami.  However, we’ve also settled cases throughout the entire state of Florida.  This includes several settlements for over $195,000 for accidents that happened in Fort Lauderdale, the Orlando area, Clearwater, Pensacola and other cities.

    Contact Us

    JZ helps (a Florida injury law firm)
    1450 Madruga Ave., Suite 306B
    Coral Gables, Florida 33146

    Our office is near the University of Miami.  Serving all of Florida.

    1-888-JZ-Helps (1-888-594-3577) or 305-661-9977

    24 hours / 7 days a week

    En Español

    We’re also proud of our results in other parts of the state (as well as the Miami area).  Therefore, I call myself a Miami injury lawyer who serves all of Florida.

    Copyright © 2023 · JZ helps (a Florida injury law firm)