Basics Bodily Injury/Property Damage PIP Coverage Switching Over FAQ Get a Quote

Personal Injury Protection (PIP)-$10,000 coverage

PIP, also referred to as No-fault Coverage, is a legal requirement in Florida. Regardless of who is at fault, PIP covers bodily injury to covered persons caused by an accident involving an insured private passenger motor vehicle, up to your policy limits. PIP also covers bodily injury resulting from an accident involving a motor vehicle to:

Property damage liability: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for damage in an auto accident to the property of other people (e.g. light poles, fences, another vehicle, etc.).

1. You while in another person's vehicle.
2. Your child who lives in the same household if that child suffers an injury while riding on a school bus.
3. You as a pedestrian or bicyclist.
4. Residents of your home.
5. Certain passengers who do not have PIP.
6. Certain licensed drivers who drive your vehicle with your permission.

By Florida law, a minimum of $10,000 of PIP coverage is required and pays:

1. Medical expenses - Up to 80% of reasonable medical expenses.
2. Lost Wages - Up to 60% of lost wages and all reasonable expenses for replacement services, such as childcare, housekeeping or yard work.
3. Death Benefits - $5,000

Higher limits may be purchased through some carriers.

Extended Personal Injury Protection: In return for additional premium, you may increase coverage for reasonable medical expenses to 100%. You may also increase coverage for lost wages to 80%, up to the limits of the policy.

Wage Loss Exclusion: This option allows you to exclude benefits received for loss of gross income and loss of earning capacity from PIP coverage. This usually results in a reduction to your premium.

Military Benefits Coordination: Some carriers offer this option, which allows you to utilize military benefits under the federal Medicare program to pay for medical expenses resulting from an auto accident. Your PIP coverage would pay only for the expenses not covered by your military benefits. This may reduce your premium.

Deductibles: You may select a deductible of $0, $250, $500, $1,000.

Named Insured: The first person in whose name the insurance policy is issued to.

Resident Relative: Person related to you who is a resident of your household.

Please note that this coverage definition is intended only as a guideline. All terms and coverages are defined solely by your policy.