What is covered by personal injury protection (PIP) in Florida?

Florida PIP covers medical costs, lost wages, and death benefits, just like New Jersey and Michigan, but if you are in an auto accident, regardless of who was at fault, your PIP pays for your first $10,000 in medical bills. This is known as PIP benefit.

What is Florida personal injury protection (PIP)?

In Florida, every driver must hold PIP (Personal Injury Protection) insurance if they are on the road. But what is personal injury protection? PIP, for short, is mandated by the state of Florida for all drivers to carry. PIP pays for injuries arising from an auto accident, regardless of who was at fault.

When were PIP laws enacted in Florida?

PIP was enacted by the Florida legislature in the early 1970's to ensure that all Floridians have access to medical care after an accident. While the law is updated in one way or another just about every year, the concept has remained the same for some fifty years, and it's not likely to go away anytime soon.

Who is entitled to PIP benefits after a car accident?

PIP insurance covers the owner of a car involved in a collision, and also provides coverage in the following situations: Your children are covered if they’re riding in your car or on their school bus; Giving a lift to someone who doesn’t own a car; If a bicyclist or pedestrian is injured and doesn’t have their own PIP policy (and doesn’t live with a relative who has a PIP policy).