What Does Your Auto Insurance Cover?
Personal Injury Protection (PIP or
No-Fault)
According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection insurance (PIP) and a minimum of $10,000 of property damage liability insurance. In the state of Florida you must seek medical treatment of some sort within 14days of the accident or you forfeit your personal injury protection and you receive no money for your medical bills.
Personal injury protection (PIP) insurance covers you regardless of whether you cause an accident (are "at-fault") -- up to the limits of the policy. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents. PIP pays:
According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection insurance (PIP) and a minimum of $10,000 of property damage liability insurance. In the state of Florida you must seek medical treatment of some sort within 14days of the accident or you forfeit your personal injury protection and you receive no money for your medical bills.
Personal injury protection (PIP) insurance covers you regardless of whether you cause an accident (are "at-fault") -- up to the limits of the policy. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents. PIP pays:
- 80% of reasonable medical expenses
- 60 percent of lost wages
- $5,000 for death benefits
For accidents that happen in Florida, PIP covers you and relatives who live in your home, certain passengers, and
others who drive your car with your permission. Pedestrians and bicyclists are also covered if they are Florida residents.
For accidents that happen outside Florida but inside the U.S. or Canada, PIP covers you and relatives who live in your home.
In this case, you must be driving your own vehicle. Persons other than you or your relatives are not covered.
PIP Chart
| While you should read the policy to see exactly who is covered, this chart will help you
determine the type of questions you should ask your agent
(This chart refers to accidents occuring in Florida unless otherwise noted.) |
Your PIP Covers |
Your PIP does not cover |
Your PIP could cover, depending on your policy, or the circumstances |
| You |
X
|
||
| Members of your household who do not own a vehicle of their own |
X
|
||
| Passengers who do not own an auto, and therefore do not have PIP |
X
|
||
| Passengers who own a vehicle but do not have PIP coverage |
X
|
||
| Passengers with their own auto and PIP |
X
|
||
| Licensed drivers who drive your vehicle with your permission |
X
|
||
| Your child (if a resident of your household) if injured on a school bus ride |
X
|
||
| You and members of your household for accidents occurring outside of Florida but within the U.S. or Canada |
X
|
||
| You, as a pedestrian or a bicyclist, if you suffer an injury in an accident involving a motor vehicle while in the state of Florida |
X
|
||
| You, in someone else’s vehicle |
X
|
||
| You, while outside your vehicle or while working on your vehicle |
X |
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