Florida is a “no-fault” state when it comes to car accidents. This means that regardless of who is at fault for the accident, each driver is required to carry Personal Injury Protection (PIP) insurance. However, many drivers in Florida are still unsure about what PIP insurance is and how it works.
What is Personal Injury Protection (PIP) Insurance?
PIP insurance is a form of car insurance that provides coverage for medical expenses and lost wages resulting from a car accident. It is designed to cover the policyholder and their passengers, regardless of who is at fault for the accident.
In Florida, PIP insurance is mandatory and is required by law to include a minimum of $10,000 in medical and disability benefits and $5,000 in death benefits. This means that if you are involved in a car accident in Florida, your PIP insurance will cover up to $10,000 in medical expenses, regardless of whether or not you caused the accident.
Understanding PIP Insurance: A Guide for Florida Drivers
It is important to understand how PIP insurance works in Florida to ensure that you are adequately protected in the event of a car accident. First, it is important to note that PIP insurance is intended to cover medical expenses and lost wages, not property damage or liability.
Secondly, it is important to recognize that PIP insurance is a form of no-fault insurance. This means that you can collect benefits from your own insurance company regardless of who is at fault for the accident.
Finally, it is important to remember that PIP insurance is not intended to be a substitute for health insurance. If you have health insurance, you should use it to cover any medical expenses that exceed your PIP coverage. In a car accident scenario, your PIP insurance may be considered primary.
As a Florida driver, it is important to understand how your PIP insurance works, to ensure that you are properly protected in the event of a car accident. This will allow you can make informed decisions about your car insurance coverage and protect yourself and your passengers.
If you were involved in a car accident and are unsure of how insurance coverage works in your scenario, please contact WLT Law Firm, we are available to help.