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Unexpected services covered by PIP insurance

If you’ve been in an auto accident, it’s important to know what your Personal Injury Protection (PIP) insurance through your auto insurance covers. You may know that 80% of medical expenses caused by an accident are covered by your PIP insurance. However, many people do not know and do not claim other treatments PIP insurance covers. If you have been injured in an auto accident, make sure you know what other services PIP insurance covers.

Note: The exact coverage of your insurance policy may differ from these guidelines. Call your insurer or consult your policy documents to see exactly what you are covered for. 

 7 Unexpected Services Covered By Your PIP Insurance in Florida 

1. Wage Loss 

 Florida Statute 627.736  

“(b) Disability benefits.—Sixty percent of any loss of gross income and loss of earning capacity per individual from inability to work proximately caused by the injury sustained by the injured person…”  

PIP insurance will pay up to $2,500 or $10,000 of your medical expenses, but it will also repay 60% of the income you lost while you were unable to work. Lost income must be directly related to the accident, such as time you spent in the hospital or in physical therapy. Though the insurer is only required to reimburse 60% of lost wages, drivers should use this coverage nonetheless. 

Disability benefits and medical benefits are calculated together, and can’t exceed the $2,500 (without an “emergency medical condition”) or $10,000 limit (with an “emergency medical condition”). While PIP insurance is required for all drivers in Florida, this unexpected service covered by PIP is not required. Drivers can waive this coverage for a lower deductible or premium. Read your insurance documents carefully to make sure you know what your PIP insurance covers. 

 2. Housekeeping 

Florida Statute 627.736 

“(b) Disability benefits.— ... plus all expenses reasonably incurred in obtaining from others ordinary and necessary services … the injured person would have performed without income for the benefit of his or her household.”  

What if you are responsible for household upkeep and you don’t have wages? Is your spouse the only one entitled to disability benefits? Not exactly. 

If you are responsible for cooking, cleaning, or taking care of your house or pets, your PIP insurance may cover the costs of a housekeeper. Just like disability benefits from wage loss, the housekeeper must be necessary and directly related to your accident. While a hospital stay is a valid reason, being too sore or tired for housekeeping may not be enough for your insurance company. However, if your PIP benefits are denied for services you need, you may have a legal case. 

3. Childcare  

Florida Statute 627.736 

“(b) Disability benefits.— ... plus all expenses reasonably incurred in obtaining from others ordinary and necessary services … the injured person would have performed without income for the benefit of his or her household.”

When injured in a car accident, hiring a temporary housekeeper might not be necessary, but a guardian for your children definitely is. If you are in the hospital and cannot care for your children as you normally would, the disability benefits section previously mentioned will also cover the costs of a childcare provider while you are in the hospital or recovery clinic. 

Childcare expenses can include many things, and these may or may not be specified in your insurance document. If a friend or relative cares for your children, you may reimburse them with PIP benefits, or you may hire an in-home helper. Make sure to keep accurate records of all expenses, including time, and ask that your temporary childcare helper do the same. 

4. Funeral expenses 

Florida Statute 627.736 

“(c) Death benefits.—Death benefits of $5,000 per individual. Death benefits are in addition to the medical and disability benefits provided under the insurance policy.” 

Many of the most common accident causes in Florida are also the most fatal. When a fatal car accident occurs, the last thing that surviving family members want to worry about is funeral expenses. PIP insurance will pay surviving family members up to $5,000 in the case of a fatal accident. This amount is separate from medical or disability benefits, so it is paid regardless of whether or not the victim received $10,000 in care before their death. 

5. Follow-Up Visits 

 Florida Statute 627.736 

“(a) Medical benefits. … 2. Upon referral by a provider … follow-up services and care consistent with the underlying medical diagnosis…” 

 If your doctor, chiropractor, another physician or even a dentist requires you to return for a follow-up visit due to injuries from your accident, these are covered by PIP. To make sure your claim isn’t denied, ask your physician to state in writing that a follow-up visit is medically necessary. 

6. Rehabilitation 

Florida Statute 627.736 

“(a) Medical benefits.—Eighty percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services…” 

Too many accident victims don’t get the physical therapy or rehabilitation services they need because they’re afraid they can’t afford it. However, your $5,000 or $10,000 PIP insurance covers rehabilitation services. A hospital case worker can help you find affordable physical therapy or rehabilitation services covered by your PIP insurance and, if needed, your medical insurance. 

7. Dentistry 

Florida Statute 627.736 

“(a) Medical benefits.—Eighty percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services…” 

As the above statute section states, your PIP medical insurance also covers dentistry. In some severe accidents, drivers or passengers may have injuries to their teeth or jaw. In this case, you should seek dental services right away. If your teeth were damaged, a prosthetic device (also covered by PIP insurance) may be put in place. If your jaw was damaged, it’s best to get a professional opinion right away, as jaw pain can become long-term. 


It is essential to get the care you need when you are injured. Long-term, unhealed injuries from auto accidents often cause more pain, suffering and expense later down the road. Read your insurance documents carefully and make sure you understand what your PIP insurance covers so you can get the most out of the coverage that you paid for. 


 Source: Florida Legislature


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