Blog Highlights
Florida PIP insurance is meant to provide quick financial support after a motor vehicle accident. Personal injury protection in Florida can cover part of your early medical bills and lost income, but PIP coverage is not designed to cover every loss. Understanding Florida car accident insurance laws can help you recognize when additional action may be needed. These limits can become especially important when treatment continues for weeks or injuries prevent a return to work.
Florida law generally requires registered vehicle owners to maintain PIP coverage. Standard benefits include up to $10,000 for medical and disability expenses, with PIP paying 80 percent of reasonable medical costs and 60 percent of qualifying lost income. Initial medical care must occur within 14 days of the crash. A $5,000 death benefit may also apply.
Even when the full benefit is available, PIP leaves important gaps. It does not cover the remaining share of medical bills, all lost income, vehicle damage, or the full effect of a serious injury. Benefits may also be limited to $2,500 when a qualified provider determines that the injured person did not have an emergency medical condition.
Additional claims may be possible when another party caused the accident, and available insurance applies. Florida law also allows certain damages for injuries involving a significant and permanent loss of bodily function, a permanent injury, significant and permanent scarring or disfigurement, or death.
Our vehicle accident attorneys at Gallagher & Hagopian can review the available coverage, medical evidence, and possible sources of compensation. Every case is different, so early guidance can help protect important records and deadlines. If PIP is not enough after a crash in Sarasota, Manatee, Charlotte, or Hillsborough County, contact us to discuss your legal options.
