If you are injured in a car accident in Florida, you are responsible for paying for the treatment of your injuries even if the accident is another driver's fault. As such, every driver in the Sunshine State is required to have something called Personal Injury Protection (PIP) insurance, also known as “no-fault” insurance, that pays for injuries you receive in a car accident no matter who is at fault for causing the accident.
According to Florida's Office of Insurance Regulation, the intention of the PIP requirement is “to provide injured drivers up to $10,000 in immediate medical coverage in lieu of establishing fault through the court system. The goal was to reduce payment delay for injured drivers, as well as limit the utilization of the court system.”
What Does PIP Cover?
In Florida, 80% of the cost of your medical bills will be covered by PIP, up to $10,000. If the injury isn't an emergency, then you can only receive $2,500 worth of benefits. The medical expenses that PIP will cover include the costs of: