In Florida, if you’ve been in a car crash—whether it happened in Tampa, Lakewood Ranch, or Spring Hill—Personal Injury Protection (PIP) plays a crucial role in your ability to get treatment and recover financially. But most drivers don’t fully understand how PIP works until it’s too late. At Car Accident Lawyer, we walk our clients through every part of the process so they don’t miss out on the benefits they’re owed.
What Is PIP Insurance?
PIP stands for Personal Injury Protection, and it’s mandatory coverage under Florida law. It’s often called “no-fault” insurance because it pays benefits regardless of who caused the accident. Every vehicle owner in Florida must carry at least $10,000 in PIP coverage.
This coverage is designed to kick in immediately after an accident, helping you pay for certain expenses without waiting for a liability determination.
What Does PIP Cover?
Florida’s PIP policy pays for:
- 80% of reasonable medical expenses related to accident injuries
- 60% of lost wages if you can’t work due to your injuries
- Death benefits up to $5,000
- Mileage reimbursement for medical visits
At Car Accident Lawyer, we make sure clients understand how to track these costs and ensure the insurance company pays what they’re supposed to.
The 14-Day Rule
One of the most important things to know about PIP in Florida is the 14-day rule. You must seek medical treatment within 14 days of the accident to qualify for PIP benefits. That doesn’t mean you need surgery or hospitalization—just documentation from a qualified provider (like an ER doctor, chiropractor, or urgent care center).
Miss this window, and you may lose access to your PIP entirely. We help clients across Florida—from Englewood to Brooksville—get in front of qualified doctors right away so their claim remains valid.
PIP Limitations and Where It Falls Short
While PIP is useful, it has its limits. The $10,000 cap is often not enough to cover serious injuries. That’s where filing a personal injury lawsuit or using uninsured motorist (UM) coverage becomes necessary. At Car Accident Lawyer, we build your case to go beyond PIP, ensuring you’re compensated for everything from long-term care to emotional distress.
How a Car Accident Lawyer Helps
We handle all the paperwork, claim submissions, and communication with insurance providers. We also ensure that your medical records, wage documentation, and other critical evidence are preserved and presented properly. Whether you’re dealing with PIP alone or planning to pursue additional compensation, we’ve got your back.
Call for a Free Consultation Today
PIP can be confusing, but it doesn’t have to be. If you were in a car accident anywhere in Florida—Cape Coral, Largo, or North Port—call the Car Accident Lawyer at 813-213-4359. We’re available 24/7 to walk you through your coverage and help you build the strongest case possible.
This post was written by a professional at Car Accident Lawyer. Have you been involved in an accident? Secure the expert legal representation you need with a trusted car accident attorney Sarasota FL. Our dedicated attorneys will take the time to review your case in detail and create personalized strategies to meet your unique circumstances.
