As a licensed motorist living in Florida, it is important to understand PIP Insurance. Based on Florida law, every vehicle owner must have at least $10,000 worth of Personal Injury Protection insurance. This insurance is offered through the vehicle owner’s auto insurance policy. PIP benefits are paid out regardless of who is at fault for the accident.
What are the benefits of Personal Injury Protection Insurance?
- Accident victims will have 80% of their medical bills covered
- 60% of their lost wages reimbursed
- Up to the maximum payout of $10,000.
The remaining expenses and losses are paid out of the victim’s pocket.
PIP stands for personal insurance protection or personal injury protection. PIP insurance is a requirement in Florida. Personal Injury Protection insurance is a no-fault car insurance policy. It provides drivers with guaranteed benefits after an accident for medical bills and lost wages. Personal Insurance Protection was created as a way to expedite accident injury claims.
What is PIP Insurance?
Please schedule an appointment with our experienced staff within 14 DAYS of your motor vehicle accident. This will help ensure that you receive your PIP insurance benefits, and avoid having to potentially pay for all of your medical care out of pocket.
Personal Injury Protection
According to Nationwide, the “80% of medical and other expenses” may include “medical treatment of the injuries suffered by you and your passengers as well as medical expenses you might incur if injured as a passenger in another car or as a pedestrian.”
PIP Insurance and Your Medical Care
At Momentum Medical, we are here to help you with any questions you may have about how your PIP Insurance will affect your ability to receive care. We will also be able to help you diagnose any health issues that you may have incurred as a result of your car accident injury, which could prove vital in your case against a potentially negligent driver, if you decide to seek legal representation for your accident.
Common PIP Claim Pitfalls (and How to Dodge Them)
1. Waiting Too Long to See a Doctor
- Problem: Missing the 14‑day deadline kills your claim.
- Fix: Book an appointment the same day as the crash—even if you only feel “sore.”
2. Skipping Follow‑Up Visits
- Problem: Insurance adjusters view gaps in care as proof you weren’t actually hurt.
- Fix: Stick to the treatment plan or ask your provider to update it in writing.
3. Incomplete Paperwork
- Problem: A missing wage statement or mileage log can slash your payout.
- Fix: Keep a simple folder (digital or paper) for every bill, receipt, and form.
Filing Your PIP Claim: Quick Checklist
- Call Your Insurer within 24 hours (many policies require “prompt notice”).
- Gather Documents:
- Police report number
- Medical bills & provider notes
- Employer wage verification
- Mileage log for appointments
- Submit the Packet:
- Email, app upload, or certified mail for a paper trail.
- Follow up in 30 Days to confirm payments have started (state law requires it).
PIP for Passengers, Pedestrians & Cyclists
Passenger in a friend’s car
- Whose PIP Pays: Your own policy first, then your friend’s.
- Remember: Keep your own PIP active—even if you rarely drive.
Pedestrian hit by a car
- Whose PIP Pays: The driver’s PIP. Your PIP can pick up what’s left if you also have auto insurance.
- Remember: You still have to see a qualified provider within 14 days.
Cyclist struck by a vehicle
- Whose PIP Pays: The driver’s PIP covers your injuries.
- Remember: Photograph bike damage, keep medical receipts, and track every symptom.
When the $10k Runs Out
Medical Payments Options
- Health Insurance: This kicks in once PIP is exhausted. Check the deductibles.
- MedPay Add‑On: Optional extra coverage you can buy for future peace of mind.
- Letter of Protection (LOP): A doctor agrees to wait for payment from a future settlement.
Legal Options
- Bodily Injury Claim: File against the at‑fault driver’s liability coverage for additional costs.
- Uninsured/Under‑insured Motorist (UM/UIM): If the other driver has no or low coverage, your policy steps in.
Frequently Asked Questions
Does PIP cover mental health counseling?
Yes—if a qualified provider orders therapy and relates to accident trauma.
Can telehealth visits count toward PIP?
Follow‑ups, yes. Your first exam must be in‑person with an M.D., D.O., D.C., PA, or NP.
What if I were driving a rental car?
Your personal auto policy’s PIP still follows you. You can buy a non‑owner PIP policy before renting if you don’t own a car.
Will PIP premiums go down if the new law passes?
Possibly, but studies are mixed. Until lawmakers finalize the bill, premiums stay the same.
Need Help?
Momentum Medical’s accident‑care team can walk you through every step—from paperwork to therapy—so you keep all the benefits you’ve already paid for. Call (844) 664‑7246 or book online for a same‑day visit.
Please schedule an appointment with our experienced staff within 14 DAYS of your car accident.
This information is for general education only and not legal advice.