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PIP Insurance in Florida vs. Other States

Personal Injury Protection (PIP) insurance is a benefit under your auto insurance policy to cover you in the event that you are injured in an auto accident up to the limits you select or are required by law. The inner workings of PIP insurance differ from state to state and there are different guidelines depending on factors such as whether or not you were at fault, whether or not you’re required to carry PIP, thresholds, and state legislature. Currently, there are 12 no-fault auto insurance states: Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kansas, Kentucky, Minnesota, Massachusetts, North Dakota, Utah, and Florida.

Is PIP insurance required in the State of Florida?

PIP coverage is a requirement of all registered motor vehicle owners in the state of Florida. This makes drivers responsible for their own injuries in the event of an accident involving a vehicle regardless of fault. The state minimum requirement is $10,000 which may cover 80% of your medical expenses and 60% of lost wages.

Florida PIP Insurance Laws

Understanding PIP law in Florida is key since this is the main form of insurance coverage for drivers of motor vehicles in the state. In 2012, PIP legislation changed as an effort to maintain the state’s no-fault system but also help lower insurance premiums. The law also implemented a 14-day rule; insured drivers must seek treatment within 14 days of the accident in order to be afforded coverage for emergency medical conditions such as acute accident injuries. More specifically, if an insured is not evaluated by a medical doctor within 14 days of the accident, their PIP insurance benefit may be capped at $2,500 instead of the full $10,000 for specialty auto accident care like chiropractic. Chiropractic and rehabilitation care are highly recommended following an auto accident because chiropractors are specialists of the spine. The most common auto accident injuries usually affect the spine in some manner or form and can lead to more debilitating, chronic issues if not treated at the onset. This is the reason it is so important to learn about your state’s law on PIP and your rights if you are injured in an accident so you can take action quickly.

Have you been in an auto accident in Florida?

If you or someone you know have been involved in an auto accident in Florida, the sooner you seek medical treatment the better. Not only will this ensure that you catch any injuries that could cause pain in the future, you also ensure that you receive the insurance you're eligible for for treatment. If you've been in an auto accident in Florida, your next step should be to seek treatment from a doctor that specializes in auto accidents


The PIP insurance experts at Adkore have experience in treating auto accident patients while working directly with lawyers and insurance agencies to ensure your recovery is managed. They can help you verify your insurance claim, work with your attorney and insurance company, and get you scheduled for your initial evaluation and treatment as soon as the same day. Recently experience an auto accident? Ask our experienced doctors an auto accident question instantly and sign up for an evaluation as soon as possible. 


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