PIP Coverage In Florida

Florida law requires every licensed and insured driver to carry PIP coverage. PIP stands for (Personal Injury Protection), and regardless of who is at fault, it provides compensation to drivers that are involved in an accident. It is required that every driver carry a minimum of $10,000 in PIP protection.

If you have questions about PIP coverage or need guidance on the best auto insurance policy for your budget contact John Beck Insurance, the premier Jacksonville car insurance agency at (904) 721-3129.

How Does PIP Work?

If you have been in a car accident it is important to receive medical attention immediately, even if you do not think you are injured. PIP benefits only apply if you seek medical attention within a 14-day window from the date of your accident. If you seek medical attention after the 14-day window, you may be ineligible to receive PIP benefits.

Limits to No-Fault Insurance: No-fault insurance pays benefits as follows, once any applicable deductibles are met:

  • 80% of medical bills, including any out-of-pocket prescription costs, rehab services, and dental expenses
  • 60% of lost wages at the time of the accident
  • Death benefits - $5,000.00
  • Mileage reimbursement when traveling to and from your doctor’s offices

Emergency Medical Conditions: Is defined as a medical condition that requires immediate medical attention, and could significantly jeopardize the patient’s health. If you do not suffer from an “emergency medical condition,” you will be limited to no more than $2,500 in benefits.

Florida law places the following limits on PIP claims, as it relates to emergency medical conditions:

  • You have 14 days to seek medical attention from the date of your accident or PIP will not cover any medical bills.
  • PIP will not cover acupuncture or massage therapy.
  • If your initial treatment is diagnosed as an emergency medical condition, then PIP will only cover follow up treatments for that diagnosis.

PIP Reimbursement – Recovery for Lost Wages: To receive compensation for your lost wages, your employer must submit a Wage and Salary Verification form to your insurance provider. This form documents your gross salary for the thirteen weeks prior to the accident.

Depending on the length of time you may be out of work you may also need your physician to complete a disability form so that you may receive PIP reimbursement for lost wages.

Damages Not Covered by PIP – Lawsuit against Negligent Driver: In order to file a personal injury lawsuit, serious and/or permanent injuries must have been sustained due to the accident. Below are a few examples of serious injuries:

  • Brain Injuries - TBI
  • Paralysis
  • Spinal Cord Injuries/Back Injuries
  • Amputations
  • Broken Bones
  • Permanent Scarring/Disfigurement

Medical Examinations: Florida Law gives car insurance providers the right to request an independent medical examination to verify the severity of your injuries. They do this to get a secondary opinion and to verify the severity of your injuries.

Why Choose John Beck Insurance?

If you are looking to acquire car insurance you need to speak with an auto insurance specialist to understand coverage requirements based on your budgetary needs. John Beck Insurance has been the insurance agency Jacksonville residents and businesses have trusted for over 30 years. We have thousands of customers and have a network of over 50 insurance providers we can shop on your behalf. If you would like to discuss car insurance options, discuss PIP in more detail, and get free car insurance quotes to call us today (904) 721-3129.