Personal Injury Protection: All You Need to Know

Personal Injury Protection insurance is a policy that covers injuries and lost wages in the event of an accident. Also known as ‘no-fault’ coverage, the plan is part of an auto insurance policy that helps drivers get medical coverage regardless of the person who caused the accident. Florida is one of the ten states that have signed the policy into law requiring all motorists to sign up for the plan.

It was after the state’s governor Rick Scott signed House Bill 119 into law in 2012. The bill mandates insurance companies in Florida to incorporate PIP in every auto insurance policy. The goal was to provide injured drivers with up to $10,000 for medical expenses instead of launching complaints in court.

This is because court systems take longer to declare verdicts which can lead delays in payments for injured drivers. The introduction of PIP insurance also reduces the amount injured drivers are required to pay in hospital bills. Additionally, PIP claims had increased over the years, with Florida cities recording the highest number of questionable claims across the nation.

Half of all the insurance claims comprised PIP raising questions about their authenticity. Governor Scot signed PIP cover into law to curb the menace and to shift the responsibility to the driver.

What Expenses Does PIP Policy Cover?

1.  Medical Expenses

The policy pays 80% of medical expenses up to $10,000. Some of the costs covered include X-rays, dental work, out-of-pocket prescriptions, rehabilitation, ambulance, nursing, and other hospital costs. The expenses should relate to the auto accident.

The policy does not medical procedures relating to alternative medicine. Additionally, if the driver does not sustain injuries that don’t need immediate attention, the payout is restricted to $2500. In this case, an emergency medical condition is one that could jeopardize a patient’s health if he does not receive immediate attention.

2.   Lost Wages

Personal Injury Protection covers 60% of lost wages to provide the victim with some income when recovering from injuries.

3.   Death Expenses

If the PIP policyholder dies, his loved ones receive $5000 to take care of funeral expenses. The injured person should receive treatment within 14 days of the accident to qualify for compensation. Also, it is important to cooperate with the insurance holder to get all your PIP benefits following the accident.

However, if you are not in a position to claim the benefits from your insurance company within the stipulated period, consider enlisting the services of lawyers within Fort Lauderdale, for example, Fort Lauderdale injury lawyer. The lawyer will also help you obtain a recorded statement, medical examination, and documentation if the insurance company demands it.

Who Does the Policy Cover?

The policy covers the policyholder and extends to:

·         His children (if he or she is involved in an accident)

·         Other members of his household involved in a car accident

·         Uninsured passengers who don’t have a vehicle

Special Considerations

1.      When the Passenger has a PIP Cover

If the passenger already has a PIP insurance cover, then he should claim compensation from his provider. Similarly, your PIP insurance should cover you if you are involved in a car accident in another person’s vehicle.

2.   The injury inflicted on a Pedestrian or Cyclist

Generally, a PIP policy covers the policyholder even when he is not in a vehicle during the accident. For example, if a car hits you when riding a bicycle or when walking on a street, the PIP cover will pay for the resulting medical expenses up to a specific limit.

3.     Continuing Treatment

A PIP cover also takes care of any ongoing treatment if the patient has sustained traumatic spinal or brain injury. The policy takes care of treatment related to those specific injuries.

4.      Self-inflicted Injuries

If the policyholder sustains injury when committing a felony or is driving a vehicle whose insurance cover does not cover him without permission, the PIP cover does not apply.


Knowing your rights is critical to getting all your benefits once you launch a PIP claim. Insurance companies quickly handle most of the claims without conflict. However, if there are delays or the insurer fails to cover all your expenses, it may be prudent to hire a personal injury lawyer.