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Who Does PIP Cover In Florida?

  • By: Sara E. Berge, Esq., LL.M.
  • Published: August 26, 2021

Anyone who is licensed and owns a car in Florida must have Personal Injury Protection (PIP) insurance coverage. While PIP insurance covers the insured person, it also PIP covers certain passengers in the driver’s car. The driver’s PIP insurance covers a passenger who does not have PIP insurance on his or her own car. If the passenger does not have their own PIP insurance, then the driver’s PIP insurance should cover the passenger’s medical bills.

If a driver injures a pedestrian, then the driver’s PIP insurance covers the medical bills of that pedestrian, if he or she does not have health insurance or car insurance of their own.

If someone is a passenger in another person’s car and has PIP insurance of his or her own, then the passenger’s PIP insurance covers that person where ever he or she goes. This means that if you are a passenger in someone else’s car and end up in an accident, then your own PIP insurance will cover your medical bills.

If a person is uninsured but living in the same household with someone who has PIP insurance, the uninsured person might be covered under a spouse’s or parent’s PIP insurance.

An Experienced PIP No-Fault Insurance Attorney can help you figure out which category you fall into and the best way to get your medical bills from a car accident covered by PIP insurance. Call us at (727) 888-4995 to set up a consultation.

Are Nonresidents Required To Have PIP Coverage In Florida?

While nonresidents are not required to carry PIP insurance coverage in the state of Florida, if a nonresident’s automobile is present in the state of Florida for 90 days or more during a calendar year, then the owner must obtain PIP insurance coverage. Even if you live outside of Florida but stay in Florida for 90 days or more out of the calendar year, then you must carry minimum required PIP insurance in Florida. The 90 days in Florida do not need to be continuous days. If your time in Florida totals 90 days, you must have PIP insurance coverage. If you are still unsure or have questions about nonresident PIP insurance coverage, consult with a Florida PIP Law Firm. Our number is (727) 888-4995, and you can call 24/7 to speak with an Experienced PIP No-Fault Insurance Attorney.

Does Florida PIP Cover Pain And Suffering?

Personal Injury Protection is no-fault insurance that covers medical bills and possibly lost wages. No matter who was at fault in the accident, drivers and passengers are entitled to their PIP benefits. In order to claim these benefits, one must see licensed healthcare providers. It is up to insurance companies whether they cover alternative healthcare providers. Consult with your PIP insurance company before seeing alternative healthcare providers.

A victim in a car accident might file a personal injury claim through a Personal Injury Protection Lawyer to ask for compensation for pain and suffering from the at-fault party.

If you are overwhelmed navigating the laws around PIP and pain and suffering personal injury claims and you are in Port Richey, FL, consulting a PIP Insurance Litigation Attorney is your best recourse. Call (727) 888-4995 24/7 to speak to the Best Personal Injury Protection Coverage Attorney. We can help you decide if you have exhausted your coverage, or if you can file a personal injury claim for pain and suffering.

Sara E. Berge

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(727) 888-4995

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