In Florida, a vehicle owner and/or driver purchase PIP to cover medical costs, lost wages and death benefits.

Florida PIP Medical Benefits

Most medical costs will be covered by PIP. The following are eligible for a PIP claim:

• Medical Services and Medication
• Surgical Services and Hospital Expenses
• Rehabilitation Costs
• Diagnostic Services
• Ambulatory Services
• Chiropractic and/or Physical Therapy Care

PIP will cover 80% of your medical costs. So if you have injuries which cost $10,000, PIP will only pay for $8,000 worth of that. If you have a good health insurance policy, it should be able to take care of the rest of the costs, but be sure it will cover car accident injuries. Also, in order to ensure that PIP covers your treatment, you may have to submit to treatment within the first 14 days after an impact.

Florida PIP and Economic Benefits

If you are injured in an accident, PIP will pay for 60% of your lost wages, subject to the $10,000 limit. This payment may also include services you would otherwise undertake, but because of the injury. These services can even include daily chores like doing laundry, cleaning the house, taking care of pets, etc.