Florida PIP Insurance

Getting into a car accident can be overwhelming, especially when you’re dealing with injuries, medical bills, missed work, legal stress, and growing uncertainty about what to do next. That’s why Florida PIP insurance plays such a critical role in helping crash victims regain stability quickly and avoid financial ruin through fast, reliable coverage. At Hersh Kirtman, we help clients across Boca Raton understand their rights under Florida’s no-fault system and make sure they get the compensation they deserve. If you need guidance after an accident, a Boca Raton personal injury lawyer from our team can walk you through your options and fight for what you’re owed.

What Is PIP Insurance in Florida?

Personal Injury Protection (PIP) provides coverage no matter who was at fault in a collision, up to your policy’s limits. In Florida, PIP is a required form of auto insurance that delivers financial support for medical bills and income loss stemming from a car accident. This no-fault approach mandates that all drivers maintain a minimum of $10,000 in PIP coverage, which generally includes 80% of qualifying medical expenses, 60% of income lost due to injury, and a $5,000 benefit in the event of death

To receive the full range of benefits, individuals must obtain medical treatment within 14 days following the crash. PIP is specifically designed to offer quick access to funds without needing to determine fault, helping to cover essential costs such as physician visits, medications, therapy, and wage replacement.

Florida Is a No-Fault State

Florida’s no-fault law means that, after most car accidents, your own insurance pays for your injuries—even if someone else caused the crash. This structure is intended to reduce the number of lawsuits from minor accidents and ensure that people receive prompt payment for medical treatment. However, if the injuries meet a certain severity threshold, such as permanent loss of function or significant disfigurement, you may still be eligible to file a claim against the at-fault driver.

What Does PIP Cover?

PIP insurance is designed to be broad in scope, but it doesn’t cover everything. Here’s what it typically covers:

• Hospital visits and ambulance services
• Diagnostic imaging (X-rays, MRIs, etc.)
• Surgical procedures and follow-up care
• Physical therapy and rehabilitation
• Lost wages due to injury
• Mileage reimbursement for travel to medical appointments
• Replacement services like childcare, if you’re unable to perform daily tasks

However, it does not cover pain and suffering, vehicle damage, or injuries to other passengers unless they fall under certain categories, like relatives who live in your household.

PIP Insurance Requirements for Non-Residents

Nonresidents who spend significant time in Florida need to be aware of local insurance laws. If you register a vehicle in Florida, even temporarily, you must meet the state’s insurance requirements. 

This includes holding a minimum of $10,000 in PIP and $10,000 in Property Damage Liability (PDL), ensuring continuous coverage, even when the car is inoperable, and using a Florida-licensed insurance provider.

If you’re new to Florida, your out-of-state policy must be transferred to one that complies with Florida regulations. According to the Florida DHSMV, you must surrender your Florida license plate and registration before canceling your insurance policy to avoid penalties.

Michael Hersh

Founding Partner

A passionate advocate for injury victims, Michael transitioned from corporate law to fighting for individuals after a pivotal case defending an elderly couple. With over $100M in verdicts and settlements, he specializes in catastrophic injury and wrongful death cases, using his Trial Lawyers College training to powerfully tell clients’ stories.

Years of experience – Over 15 years
Elite Trial Advocate – Graduate, Trial Lawyers College
$35M Record Verdict – Catastrophic auto accident case

Get in touch: LinkedIn | Justia

When Doesn’t PIP Apply?

There are several instances where PIP might not apply, including:

• Injuries from a motorcycle accident, as motorcycles are not covered by PIP
• Crashes involving commercial vehicles, which may have different insurance rules
• Out-of-state accidents, if your policy only applies within Florida
• Failure to seek medical treatment within 14 days disqualifies you from full benefits

In these scenarios, alternative insurance coverage or legal claims may be necessary.

What other types of car insurance are required in Florida?

Beyond PIP, Florida requires drivers to carry Property Damage Liability (PDL) coverage, with a minimum limit of $10,000. PDL covers the cost of damages to another person’s property, including vehicles, fences, or buildings.

For certain types of drivers and vehicles, higher limits and additional coverage may apply. For example:

• Taxis must carry $125,000 per person and $250,000 per occurrence for Bodily Injury Liability (BIL)
• Drivers may also choose to carry Uninsured/Underinsured Motorist (UM/UIM) coverage, which protects you if the at-fault driver doesn’t have sufficient insurance

While Florida doesn’t require BIL coverage for most drivers, having it can offer important protection if you’re sued for damages.

Contact a Boca Raton Personal Injury Lawyer

Understanding Florida PIP insurance isn’t always simple. If you’ve been injured in a car crash in Boca Raton or anywhere in South Florida, we’re here to help you pursue the compensation you rightfully deserve after a difficult experience.

Don’t leave your recovery to chance. Call Hersh Kirtman at 561-208-3700 for a free consultation and take the first step toward protecting your rights.