Florida’s no-fault insurance system, governed by Fla. Stat. § 627.736, requires every driver to carry Personal Injury Protection (PIP). After a car accident, your own PIP policy pays for medical expenses and lost wages—regardless of who caused the crash. But here’s the catch: PIP only covers up to $10,000, and it does not pay for pain and suffering. Medical bills, 80% of lost wages, and certain death benefits are included, but only if you seek medical care within 14 days of the accident.
Many Floridians make costly mistakes by assuming PIP covers everything. If you delay treatment, miss the 14-day window, or fail to document your injuries, your benefits can be reduced or denied entirely. PIP also excludes coverage for emotional distress, property damage, and most out-of-pocket expenses. These gaps can leave you exposed to significant financial risk if you don’t act quickly and understand your policy’s limits.
To protect your rights, you must seek medical attention immediately after an accident and keep detailed records. If your injuries are severe or your expenses exceed PIP limits, you may need to pursue a claim against the at-fault driver. Florida law is strict about deadlines and documentation, so consulting an experienced attorney can help you avoid pitfalls and maximize your recovery.
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Disclaimer: This content is for informational purposes only and does not constitute legal advice, and laws and legal interpretations may change after the date of publication.
Written by:
Gil Sánchez, Esq.
CEO | Civil Trial Attorney
Black Rock Trial Lawyers
Abogados Law
