Understanding “PIP” Personal Injury Protection

Written by Lancaster and Eure

Personal Injury Protection, commonly referred to as “PIP” is a component in your automobile insurance that will help cover healthcare expenses arising from an automobile accident. If you have a Florida automobile insurance policy, you have PIP. Under Florida law, Statute 627.736, PIP must be a component of every insurance policy. This insurance benefit is $10,000 in medical and disability benefits, and $5,000 in death benefits, if the insured dies as a result of the incident.

PIP insurance will cover the named insured(s) on the policy, and any household relatives of the insured, unless they are excluded from the policy.

In some cases, PIP insurance will cover other passengers in the vehicle, if they do not maintain their own automobile insurance policy. In pedestrian cases, when the injured person does not own their own vehicle (and therefore would not have an automobile insurance policy), the injured person can sometimes qualify through the defendants PIP insurance policy.

PIP will provide medical benefits to “80% of all reasonable expense for medical necessity, surgical, x-ray, dental, and rehabilitative services, including prosthetic devices and medically necessary ambulance, hospital, and nursing services if the individual receives initial services and care within 14 days (627.736)”. If you intend to utilize a PIP policy, you must treat within 14 days of the auto accident. Any treatment will suffice, whether it be an urgent care, hospital, chiropractor or primary care physician. If you treat within the 14 days, you will have access to the PIP insurance.

It is important you talk to your attorney as soon as possible so that you may understand PIP insurance and the benefits provided to you under this policy.