Personal Injury Protection — Florida
Personal Injury Protection (PIP) is Florida-mandated coverage that pays your medical bills and lost wages after any accident, regardless of who caused it.
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What Is Personal Injury Protection Insurance?
Personal Injury Protection pays medical expenses, lost wages, and death benefits for you and your passengers after a car accident, no matter who caused the crash. The coverage activates immediately after an accident and pays claims before your health insurance processes anything, which means you get treatment without waiting for fault determination or liability settlements.
Who Needs Personal Injury Protection Insurance?
Every Florida driver must carry PIP by law, but it's particularly valuable if you don't have health insurance, work an hourly job where missing shifts means lost income, or frequently drive passengers. PIP pays immediately without requiring fault determination, which means you get medical care and wage replacement within days instead of waiting months for a liability settlement.
If you lack health insurance or work a job without paid sick leave, keep full PIP coverage with a low or zero deductible. If you have employer-sponsored health insurance and disability coverage, compare your health plan's car-accident provisions against the cost of full PIP — the medical exclusion may make sense. Never exclude PIP medical coverage without confirming your health plan covers accident-related treatment with no coordination-of-benefits delays.
How Much Does Personal Injury Protection Insurance Cost?
- Your ZIP code — Miami-Dade and Broward counties have the highest PIP rates in Florida due to fraud history and claim volume.
- Your age and driving record — drivers under 25 or with recent accidents pay 20 to 40 percent more for PIP than clean-record drivers over 30.
- Medical payment exclusion — opting out of PIP's medical coverage if you have qualifying health insurance can cut your PIP premium in half, but you lose wage-loss protection.
