What is Personal Injury Protection or PIP (also called no-fault coverage)?
If you are in an automobile accident, PIP covers you up to the limits of your policy, regardless of who is at fault. Typically, PIP pays 80 percent of medically necessary expenses, 60 percent of lost wages, 100 percent of replacement services (such as child care, housekeeping or yard work), and $5,000 for death benefits. For accidents occurring in Florida, PIP covers you and members of your household, certain passengers who are not required to carry their own PIP, and certain licensed drivers who drive your vehicle with your permission. Someone who is a passenger in your vehicle who has their own PIP coverage should receive benefits from their own insurance company. Your PIP will cover a person injured in your vehicle who otherwise does not have access to PIP or does not own their own vehicle.
