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Personal Injury Protection, commonly known as PIP, is a type of auto insurance coverage under Florida law. It can help pay eligible medical expenses and certain lost wages after a covered motor vehicle accident, regardless of who caused the crash, subject to policy terms and legal requirements.
Florida’s PIP law generally provides up to $10,000 in combined medical and disability benefits. The amount available for medical expenses depends on the applicable requirements, including the medical determination made during the initial evaluation.
Important: PIP benefits are subject to eligibility requirements, policy terms, deductibles, and applicable law.
Under Florida law, you generally must receive qualifying initial medical services and care within 14 days of a motor vehicle accident to be eligible for PIP medical benefits.
This requirement applies even if you do not immediately notice symptoms. If you are experiencing discomfort after a collision, do not assume you should wait to see whether it goes away before seeking medical advice.
The initial services must meet the requirements established by Florida law. Not every appointment or type of treatment necessarily qualifies.
Remember: The 14-day period begins on the date of the accident, not the date symptoms appear.
Florida PIP coverage generally pays 80% of eligible, reasonable medical expenses, subject to applicable requirements, policy limits, and deductibles.
The standard maximum is $10,000 in combined medical and disability benefits. However, the amount available for medical expenses can be limited to $2,500 when a qualifying provider determines that the injured person did not have an emergency medical condition. The higher medical-benefit limit may apply when the required emergency medical condition determination is made.
PIP coverage does not automatically mean every service or expense will be reimbursed. The insurer evaluates claims under the applicable law and policy.
For questions about your specific benefits, contact your insurance company or a qualified insurance or legal professional.
1. Prioritize your health. Seek emergency care for serious symptoms. Do not delay urgent medical attention because of insurance concerns.
2. Get an appropriate medical evaluation. A qualified healthcare professional can assess your symptoms and determine what care may be necessary.
3. Contact your auto insurer. Ask about your PIP coverage, policy requirements, deductible, and the documentation needed for your claim.
4. Keep your records. Save relevant accident information, appointment details, medical documents, and insurance communications.
5. Ask questions if you are unsure. Your insurer can explain coverage requirements, while a qualified legal professional can advise you about legal questions related to your circumstances.
If you are experiencing discomfort following a car accident, understanding your symptoms and available care options is an important next step.
Florida Injury Rehab offers chiropractic care, physical therapy, and pain management. Contact our team to learn more about our services and discuss the options that may be relevant to your needs.
Please note that insurance eligibility and reimbursement depend on the applicable law, your policy, and the services provided. Florida PIP does not cover massage therapy as a PIP medical benefit.
Our experienced team is here to help you regain your health and get back to living pain-free.
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