Florida is known as a no-fault auto insurance state, but many drivers are unsure what that actually means.
No-fault insurance does not mean that no one is responsible for causing an accident. It generally means that after an accident, your own Personal Injury Protection coverage may help pay certain medical expenses and lost wages, regardless of who caused the crash.
What Is Personal Injury Protection?
Personal Injury Protection, commonly called PIP, is required for most Florida drivers.
Florida drivers are generally required to carry:
- $10,000 in Personal Injury Protection
- $10,000 in Property Damage Liability
PIP is designed to provide limited benefits quickly after a covered auto accident.
What Does PIP Cover?
Personal Injury Protection may help pay for:
- Medical expenses
- Lost wages
- Certain replacement services
- Death benefits
PIP generally pays a percentage of qualifying medical expenses and lost income, subject to the policy limits and Florida law.
The 14-Day Treatment Rule
Florida drivers should be aware of the 14-day treatment rule.
To qualify for PIP medical benefits, an injured person must generally receive initial medical treatment within 14 days of the accident.
Waiting longer than 14 days may affect whether benefits are available.
Does PIP Cover Vehicle Damage?
No. PIP does not pay to repair your vehicle.
Damage to your own vehicle may be covered by collision or comprehensive insurance if those coverages were purchased.
Property Damage Liability may help pay for damage you cause to another person’s vehicle or property.
Additional Coverage to Consider
Florida’s minimum insurance requirements may not provide enough protection after a serious accident.
Drivers should consider:
- Bodily Injury Liability
- Uninsured Motorist coverage
- Higher Property Damage Liability limits
- Collision coverage
- Comprehensive coverage
- Rental reimbursement
- Roadside assistance
Protect Yourself Before an Accident Happens
Understanding your auto insurance before an accident can help you avoid unexpected expenses.
At Network Insurance Center, we help Florida drivers compare coverage options and choose protection based on their vehicles, household and budget.
Contact Network Insurance Center today for a complimentary Florida auto insurance review.
