Personal injury protection insurance (PIP) provides coverage regardless of whether you cause an accident (are “at-fault”). PIP is designed to reduce the necessity of suing for reimbursement of medical expenses and lost wages incurred as a result of auto accidents. PIP may pay for 80% of reasonable and necessary medical expenses, 60% of lost wages and $5,000 for death benefits.[1]  As of 2013, Florida’s PIP statute provides for medical expense coverage only if treatment is given within 14 days of the accident. Thereafter, only reasonable follow-up care related to diagnoses made at the initial visit are covered. Medical benefit coverage is capped at $2,500 unless a medical doctor, dentist, physician assistant or advanced registered nurse practitioner has found an “emergency medical condition.” Only then can you receive $10,000 in medical benefit coverage.[2]

[1] § 627.736, Fla. Stat.

[2] § 627.736, Fla. Stat.