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  Florida PIP Coverage

Florida is a no-fault insurance state, i.e., if you are injured in a car accident, your insurance company pays for up to $10,000 for 80% of your medical expenses (not including massage therapy and acupuncture) and 60% of lost wages (minus a deductible if you have chosen one) regardless of whether you are at fault as long as the injured person initiated treatment within 14 days after the car accident. It also provides $5,000 in death benefits. This coverage is called “Florida No-Fault Coverage” or Personal Injury Protection (PIP).


The maximum reimbursement under the PIP coverage is limited to $2,500, unless the injured person has an “emergency medical condition” (EMC) as determined by a statutory authorized provider. Typically, the EMC determination is made by a medical doctor. Chiropractors are not allowed to make such a determination.
Emergency medical condition means a medical condition manifesting itself by acute symptoms of sufficient severity, which may include severe pain, such that the absence of immediate medical attention could reasonably be expected to result in any of the following:

  • serious jeopardy to patient health;
  • serious impairment to bodily functions, or
  • serious dysfunction of any bodily organ or part.


For Florida accidents, PIP covers the insured, resident relatives of the insured, passengers, drivers, pedestrians and bicyclists who do not own a vehicle on their own, pedestrians and bicyclists. For out-of-state accidents, PIP only covers the insured and resident relatives of the insured while driving the insured car only. ​​If you would like to have your case evaluated by an experienced Florida personal injury attorney, call our office now for a free non-obligation consultation. You owe us nothing unless we win your case, and in most cases we are able to substantially reduce our personal injury contingency fees to save you hundreds or thousands of dollars.    

                    Get your life back on track!  Call now for a free non-obligation consultation386-248-3000