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Home / Auto / Florida No Fault Auto Insurance – Personal Injury Protection (PIP) Required – Questions With Answers

Florida No Fault Auto Insurance – Personal Injury Protection (PIP) Required – Questions With Answers

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What’s PIP?
PIP is the widespread abbreviation for Private Harm Safety. PIP is for advantages payable beneath the Florida auto insurance coverage which is remitted by the Florida motorcar No Fault Auto Insurance coverage regulation.

What’s the identify of the Florida regulation that requires PIP?
Florida Motor Automobile No Fault Regulation is the identify of the Florida statute that requires PIP protection on all autos registered within the state of Florida.

Who’s insured by PIP?
The named insured and all resident kin are lined beneath the PIP protection of your Florida auto insurance coverage. Resident kin aren’t required to be listed drivers on the coverage for protection to use.

Which autos are lined by PIP?
All vehicles owned by you and listed in your Florida auto insurance coverage is roofed by the PIP portion of your coverage. Additionally, any trailer designed to be used with a non-public passenger car and never used for enterprise is taken into account a lined car.

What does PIP cover?
Private Harm Safety advantages embrace: Medical advantages, incapacity advantages, and loss of life advantages.



What’s the quantities payable when PIP protection applies?
The quantity of loss of life profit payable for an insured individual is $5,000.
Medical advantages are payable at 80% of the quantity incurred as a result of a lined harm. Incapacity advantages are payable at 60% of any misplaced wages incurred as a result of a lined harm. The overall quantity payable beneath PIP for anyone accident is $10,000.

Is there a deductible beneath PIP protection?
Florida Motor Automobile Regulation permits a deductible of not more than $1,000 for PIP protection. Selecting a deductible is non-obligatory and can decrease the premium for those who elect one. Additionally, work loss exclusion is allowed beneath the regulation and if elected your premium will probably be decrease and you’ll not obtain any profit from misplaced wages as a result of a lined harm.

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Is PIP an non-obligatory protection?
PIP is just not non-obligatory protection for any car registered within the state of Florida as mandated by the Florida Motor Automobile No Fault Regulation.

Does another person need to be at fault to gather funds beneath PIP?
No. No matter fault PIP protection out of your insurance coverage offers advantages for a lined harm.

Do all insurance insurance policies have PIP protection?
Not all states require car insurance insurance policies to have PIP protection. All registered autos in Florida are required to hold PIP protection. When Florida FR44 insurance for DUI drivers or Florida SR22 for different excessive danger drivers is required they’re along with PIP.

When does protection beneath PIP apply?
Protection applies when the named insured or any resident relative is injured whereas occupying a motorcar. Additionally, protection applies if an insured individual is caught by a motorcar as a pedestrian.

Do PIP advantages enhance by the variety of vehicles on my coverage?
No. A premium is collected by your insurance firm for every motorcar listed on the coverage; nonetheless, this doesn’t enhance advantages.

If I’ve well being insurance to cover my accidents does PIP nonetheless apply?
If an insured individual sustains harm as a result of a lined occasion advantages are payable beneath PIP no matter any well being insurance the injured individual carries.

Are an lawyer and a regulation swimsuit required to gather funds beneath PIP?
No. All prime rated customary insurance firms pays the PIP advantages to a lined individual with out the necessity of an lawyer or regulation swimsuit.

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What occurs if I cancel my PIP coverage and have a registered car?
Your insurance firm will notify the Florida Motor Automobile Division of the cancelled coverage. A discover will probably be despatched to the registered car proprietor inquiring concerning the standing of any new coverage which can have been bought. Failure to reply to the discover or preserve required PIP protection will end result within the registered car proprietor’s driver’s license being suspended.

I reside in Florida a part of the 12 months do I nonetheless require PIP protection?
Any car registered within the state of Florida is required to hold PIP protection even when that car is just not in use or is in one other state a part of the 12 months.

Am I lined by my PIP if I am driving outdoors the state of Florida?
A Florida resident who is roofed beneath the PIP portion of a Florida auto insurance coverage is roofed whereas driving that car outdoors the state of Florida.

What’s prolonged or extra Private Harm Safety Protection?
That is non-obligatory protection not mandated by Florida Motor Automobile Regulation which is obtainable by some firms. For an extra premium your insurance firm might enhance the full quantity payable beneath PIP over the $10,000 mandated by regulation. Your organization might also enhance the chances payable beneath the medical and incapacity portion of the PIP advantages. Usually the rise for medical could be from the 80% required by regulation to 100% and the incapacity profit from the required 60% of misplaced wages to 80% of misplaced wages.

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What occurs if PIP protection applies from a couple of coverage?
If there may be different relevant Private Harm Safety for a similar harm probably the most that’s collected is the utmost $10,000 quantity required by regulation. Every firm’s coverage will probably be chargeable for their pro-rata share of advantages payable.

Does the insurance firm resolve which physician or hospital I take advantage of?
No. Any physician or hospital will probably be paid beneath the PIP profit for medically vital therapy as a result of a lined harm.

What precisely does resident relative imply?
Any relative by any diploma of blood or marriage and often resides on the residence of the named insured. This features a resident relative residing quickly some place else, resembling a pupil away in school.

What’s excluded from advantages being paid beneath PIP?
In the event you personal a automobile that’s not insured beneath your auto insurance coverage and are injured in that car advantages is not going to apply. Any harm sustained by an individual working a lined auto with out your specific or implied permission. Any intentional bodily harm is not going to be lined. Any harm sustained within the fee of a felony is not going to be lined. An individual apart from you or a resident relative and has protection beneath one other Florida auto coverage which has PIP advantages.

Is PIP insurance the identical from one firm to a different?
Sure. Florida regulation prescribes all features of PIP insurance which firms and policyholders should adhere to. Mandated Florida FR44 insurance for DUI drivers and SR22 insurance for different excessive danger drivers are additionally the identical from one firm to a different.

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