Personal Injury Protection (PIP) Insurance in Florida, Explained

Florida is one of several “no-fault states” that require drivers to have personal injury protection, or PIP, insurance. It pays you and your passengers when injured in a car accident, no matter who caused it. But it may not cover all of your medical needs.

Here’s what you need to know about PIP insurance in Florida.

What is PIP insurance in Florida?

Personal injury protection, often called “PIP insurance,” is a type of car insurance coverage that pays for medical expenses after a crash, regardless of who’s at fault. Florida drivers must have $10,000 in PIP insurance, the maximum amount of money (or “limit”) your insurance company might pay for injuries you and your passengers sustain after a car accident.

Florida is a no-fault state, which means drivers must first use their own PIP insurance to pay for medical and other injury-related costs. Be prepared to pay a deductible, the money you owe out of pocket before your insurer pays out for a claim.

What does Florida PIP…

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This article was written by Ryan Brady and originally published on