Personal Injury Protection Coverage

Accidents happen. That’s why it’s important to make sure you have the right coverage to help pay for the cost of your medical expenses in case you get injured in one. Personal Injury Protection (PIP) coverage can help you pay for your medical bills if you get into an accident.

Who Needs Personal Injury Protection Insurance?

Personal Injury Protection is required by law on all Florida auto insurance policies. PIP pays for your personal medical expenses or for injuries sustained by your passengers—no matter who is at fault for the accident. Since PIP is required by law, Florida is known as a “no fault” accident state. This means that damages for injuries are paid for by a person’s own insurance regardless of who is at fault for the accident or whether or not the other person involved in the accident has insurance coverage.

Limits, Deductibles, and Other Details

PIP coverage limits are required by law to be at $10,000. PIP includes coverage for the following:

  • Medical Benefits – Coverage for the cost of treatment you receive from hospitals, doctors, and other medical providers.
  • Disability Benefits – Reimbursement for expenses related to your injuries – like lost wages or other expenses incurred if you are not able to return to work right away.
  • Death Benefits – Benefits payable if you are involved in a fatal accident.

Depending on the insurance carrier, you may be able to purchase additional coverage above the required limit.


Your best choice for insurance

The first right decision in protecting all of your assets is finding an insurance agent who understands YOU and your family. We pride ourselves in taking the time to discuss your needs to ensure that you don’t find a gap in coverage when you need it most…something that can’t always be done in 15 minutes and is too important to rush. Make sure you and your family are fully protected and call us at 407-977-5700 or email any time at

Learn more about your auto insurance:
Related Resources: