Think your PIP insurance blocks pain-and-suffering claims? Florida law says otherwise. Personal Injury Protection (PIP) is mandatory for most drivers and covers medical expenses and lost wages after a crash, but it doesn’t always shield negligent parties from liability for pain-and-suffering damages.
Under Fla. Stat. § 627.737, you can pursue pain-and-suffering compensation if your injuries meet specific legal thresholds. These include: significant and permanent loss of an important bodily function, permanent injury within a reasonable degree of medical probability, significant and permanent scarring or disfigurement, or death. If your injuries qualify, you’re not limited to PIP’s basic coverage—you can seek additional damages from the at-fault party.
A common mistake is assuming minor injuries bar you from compensation, or waiting too long to document symptoms. Florida’s statute of limitations for most personal injury cases is two years from the accident date. Missing this deadline or failing to preserve evidence can destroy your claim. If you suspect your injuries meet the threshold, act quickly. Our firm can help you evaluate your case, gather medical documentation, and fight for the compensation you deserve.
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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
