Accidents can happen when we least expect them—and when they do, medical bills, lost wages, and stress can pile up quickly. That’s where Personal Injury Protection (PIP) comes in.

At FGB Injury Law, we’re committed to helping you understand your rights and the insurance coverage available to you. In this article, we’ll break down what PIP is, how it works, and how it may affect your personal injury claim in Florida.

What Is Personal Injury Protection (PIP)?

Personal Injury Protection, often called “no-fault insurance,” is a type of auto insurance coverage that pays for your own medical expenses and certain other losses after a car accident—regardless of who was at fault.

In Florida, PIP coverage is mandatory for all drivers.

What Does PIP Cover?

PIP typically covers:

  • Medical Expenses: Up to 80% of reasonable medical costs, including doctor visits, hospital bills, surgery, rehabilitation, and even diagnostic testing.

  • Lost Wages: Up to 60% of lost income if you’re unable to work due to accident-related injuries.

  • Death Benefits: A $5,000 death benefit may be paid to the policyholder’s estate.

  • Miscellaneous Costs: Expenses like transportation to medical appointments or help with household tasks while you recover.

Florida law requires a minimum of $10,000 in PIP coverage, but how much you actually receive can depend on several factors—including the severity of your injuries and how quickly you seek treatment.

Who Is Covered by PIP?

PIP usually covers:

  • You, as the policyholder

  • Relatives living in your household

  • Passengers in your vehicle (if they don’t have their own PIP)

  • Others driving your car with permission

  • Certain pedestrians or bicyclists hit by your vehicle

Key Deadlines: Seek Medical Attention Fast

Under Florida’s PIP 14-day rule, you must seek medical attention within 14 days of the accident to qualify for PIP benefits. If you miss this window, your claim may be denied—even if your injuries are serious.

Can You Still File a Lawsuit?

Yes. While PIP covers immediate expenses, it has limits. If your injuries are severe or permanent, and your costs exceed what PIP provides, you may be eligible to file a personal injury claim against the at-fault driver.

At FGB Injury Law, we help clients explore all their legal options—including whether a lawsuit makes sense for your case.

How an Attorney Can Help

Dealing with insurance companies can be complicated—especially when you’re recovering from an injury. Our team at FGB Injury Law will:

  • Help you navigate your PIP benefits

  • Ensure all paperwork is filed properly and on time

  • Fight for compensation beyond PIP, if you qualify

  • Protect your rights every step of the way

Final Thoughts

PIP is designed to give you immediate access to medical care and support—but it’s only one piece of the puzzle after an accident. If you’re unsure about your rights or whether your injury qualifies for additional compensation, don’t leave it to chance.