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What is PIP Insurance? What does Florida being a no-fault State mean?

 

A:

People are often confused about what PIP is, whose insurance company pays out the benefits in the event of an accident, and what is meant by Florida being a "no-fault" State.  As a local personal injury lawyer, here are the facts:

  • PIP stands for Personal Injury Protection and under Florida law it is required that every vehicle owner and driver on the road have $10,000 worth of PIP insurance coverage. 
  • PIP benefits are paid by your own insurance company if you are in an accident. 
  • PIP benefits are paid by your own insurance company regardless of who was at fault for the accident.  This is what is meant by Florida being a no-fault insurance State.
  • PIP insurance pays for 80% of your medical bills and 60% of your lost wages, up to $10,000.  This means, you have to recover the rest of your out of pocket expenses from the driver that caused the accident.
  • PIP covers any accident or injury that involves a vehicle, even if you are on a bicycle or a pedestrian and are injured by a vehicle.

Jeffrey Meldon Tip:  $10,000 of PIP can often be used up before you get out of the hospital! " 

Jeffrey Meldon Tip:  Over 50% of drivers on the road in Florida today have only the minimum required insurance, or are underinsured and some are driving illegally with no insurance at all.  Make sure to protect yourself and have Uninsured/Underinsured Motorist (UM) coverage.        Check your policy today! 

For more information: 

On my  insurance recommendations and tips.

Floridians, Now is the time to protect yourself with adequate insurance

But I thought I had "full coverage"?

 







Being adequately insured is probably the most important thing you can do to protect yourself and your family in the event of an accident.

Because of this, and, as a Gainesville and Ocala car accident attorney, I, Jeffrey Meldon,  wrote the book, Buying Florida Auto Insurance - A 3 Step Approach to Purchasing Adequate Auto Insurance at Competitive Pricing.

 
This free guide answers common questions such as:

  • What are the various insurance coverages?
  • Do I need them all?
  • I think I have "full coverage", but I am not sure..?
  • What insurance do I need and at what amounts to adequately protect myself and family?
  • How do I get the best coverage at the best price?


In easy to understand language, this book addresses 3 main topics:

  • Why purchasing adequate insurance in Florida is vital.
  • Explanations, tips, and recommendations for each of the various insurances.
  • How to purchase adequate insurance at competitive price.


You can request your free, no obligation, guide book, by contacting the Office at (800) 373 8000 or on line by filling out the request form.

Beware:  Even if you are completely innocent in an accident, you can get stuck with thousands, or even hundreds of thousands, of dollars of medical bills, loss of income, and a permanent injury. All of which can be devastating.  Make sure you are adequately protected!