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Insurance · November 15, 2024
Florida PIP Insurance Explained: Why $10,000 Is Not Enough
Personal Injury Protection is Florida's no-fault system. Here's how it works — and where it fails Boca Raton drivers.
Every Florida driver must carry $10,000 in Personal Injury Protection (PIP). PIP pays 80% of medical bills and 60% of lost wages regardless of fault.
The 14-day rule
You must seek treatment within 14 days of the crash or lose your PIP benefits entirely.
The serious injury threshold
To sue the at-fault driver for pain and suffering, your injuries must meet Florida's permanent injury threshold.
Why UM coverage matters more
$10K disappears after one ER visit. Uninsured/Underinsured Motorist coverage is the single most important policy a Florida driver can buy.