Florida PIP Deductibles – What You Need to Know

Florida PIP Deductibles – What You Need to Know

Do you remember the Florida No-Fault Commercials from the 90s and early 2000s? No fault insurance simply means that the state of Florida tries to make sure that most people involved in crashes in Florida are covered for their medical expenses. The state’s intention is to decrease delayed payouts for people with injuries and limit the use of the court system.


What is PIP coverage, and why should you care?

PIP stands for Personal Injury Protection. PIP coverage pays up to $10,000 for your medical expenses, lost wages, mileage, and other damages related to injuries that you sustain in an automobile accident.

Florida requires every driver to carry personal injury protection (PIP) for automobile insurance. Instead of establishing fault through the court system, the idea behind this requirement is to provide injured drivers up to $10,000 in medical coverage. PIP coverage is required to be purchased by all owners of motor vehicles. Any vehicle with a current Florida registration must show proof of PIP insurance. Florida Statute §627.739 explains that the “named insured”—the person who is named on the policy—can choose to pay a deductible, purchase modified coverage, or buy a combination of deductible and modified coverage to apply to the named insured alone or to the named insured and relatives residing in the same household.

Insurers have to offer deductibles to each applicant policyholder, upon the renewal of an existing policy in the amounts of $250, $500, and $1,000, and the deductible amount must be applied to 100 percent of the expenses and losses involved in the crash. After the deductible is met, each covered person is eligible to receive up to $10,000 in total benefits. The good news is that, if you’re in an accident that’s someone else’s fault, their insurance is often responsible for covering your PIP deductible.


More Important Facts About PIP Coverage:

· PIP covers eighty percent (80%) of all necessary and reasonable medical expenses resulting from the crash up to $10,000, no matter who was at fault.
· PIP covers the injured person for their own injuries in an accident regardless of fault.
· There are some instances where the at-fault party is responsible for the injured person’s PIP deductible amount as a part of the damages the at-fault person owns.


Contact Sara Jones Law, P.A., for a Free Consultation


At Sara Jones Law, P.A., our central Florida personal injury attorneys offer a free consultation to review your accident, answer your questions, and explain your legal rights. Call us today at (863) 455-4811 to speak with a member of our team about your potential case.

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