What Does PIP Insurance Cover?
Personal injury protection insurance (PIP) covers you regardless of whether you cause an accident (are “at-fault”) up to the limits of the policy. PIP is designed to reduce the necessity of suing for reimbursement of injuries in auto accidents. PIP pays for 80% of reasonable and necessary medical expenses, 60% of lost wages and $5,000 for death benefits. ยง 324.021, Fla. Stat. Who Is Covered Under PIP Insurance? For accidents that happen in Florida, PIP covers you and relatives who live in your home, certain passengers, and others who drive your car with your permission. Pedestrians and bicyclists are also covered if they are Florida residents. What Happens If I Have An Accident Outside Of Florida? You are responsible for reporting the accident to insurance carrier wherever an accident occurs and may be subject to criminal and/or civil liability in the location of the accident. If you are found guilty or in default of the suit outside of Florida, you may still be held liable in Florida
