Florida is a "no-fault" state, which surprises a lot of people after a crash. Here's how PIP insurance works, in plain language — who pays, the deadlines that matter, and where no-fault ends. This is general information, not legal or financial advice.
What to know
Florida is a no-fault state
After most crashes, your own auto insurance pays first — no matter who caused the accident. Florida requires every driver to carry at least $10,000 in Personal Injury Protection (PIP).
PIP pays medical bills and some lost wages
PIP generally covers 80% of reasonable, necessary medical costs and 60% of lost income, up to your policy limit. It starts with your own insurer, not the other driver's.
You have 14 days to see a doctor
To use your PIP benefits, you usually need to get medical care within 14 days of the accident. Wait longer and the insurer can deny the medical portion of your claim — even for real injuries.
PIP does not cover pain and suffering
PIP pays economic costs only — bills and wages. It does not pay for pain, suffering, or emotional distress. That's an important gap if your injuries are serious.
Serious injuries can go beyond no-fault
If your injuries are "serious" under Florida law, you may be able to step outside the no-fault system and bring a claim against the at-fault driver. Whether that applies to you is exactly the kind of question to ask an attorney.
Common questions
Do I use my own insurance even if the crash wasn't my fault?
- Usually yes — Florida's no-fault PIP pays your initial medical bills regardless of who caused the crash. Going after the at-fault driver is a separate step that depends on your injuries. General information, not legal advice.
What if my bills are more than $10,000?
- PIP has limits, and it doesn't cover pain and suffering. Costs beyond your PIP — and non-economic damages — may involve a claim against the at-fault driver. Ask an attorney about your specific situation.
Does PIP cover passengers or pedestrians?
- PIP can extend to certain passengers, household members, and some pedestrians, but the details depend on the policies involved. Check with your insurer or ask an attorney. General information, not legal advice.