What Is PIP Insurance in Florida? No-Fault Auto Coverage
PIP insurance in Florida pays 80% of your medical bills and 60% of lost wages up to $10,000, no matter who caused the crash, but only if treatment starts within 14 days.
Last updated: October 19, 2026
What does PIP insurance cover in Florida?
Florida PIP pays 80% of your medical bills and 60% of lost wages after an accident, up to the required $10,000, no matter who was at fault. It does not cover your car, the other driver, or pain and suffering — and treatment must start within 14 days.
Florida is a no-fault state, and PIP (Personal Injury Protection) is the center of that system. Every registered car in Florida must carry $10,000 of PIP, and it pays regardless of who caused the accident. That “no-fault” part is the piece most drivers misunderstand, and it shapes everything from what gets paid to how fast you must act.
What Does PIP Insurance Cover in Florida?
PIP pays 80% of your reasonable medical expenses and 60% of your lost wages after a covered accident, up to your $10,000 limit, plus a $5,000 death benefit. It follows you, not the other driver: your own policy pays your bills even when the other car ran the light. What it does not do is pay for your vehicle, the other driver’s injuries, or pain and suffering — those live in other coverages entirely.
Florida’s 14-Day PIP Rule After an Accident
Florida gives you 14 days from the accident to seek initial medical treatment. Miss that window and PIP can deny the medical side of your claim completely — even for injuries that surface later, which soft-tissue injuries often do. The practical rule every Florida driver should keep: after any accident, get checked within two weeks, even if you feel fine that afternoon.
Who Is Covered by Florida PIP
Your PIP covers you in your car, as a passenger in someone else’s, and even as a pedestrian or cyclist struck by a vehicle. It also extends to household members who don’t own their own car and, in more limited ways, to certain passengers and licensed drivers using your car with permission. Household members with their own vehicles need their own PIP — the overlap rules are one of the most common sources of claim surprises. Riders should know that Florida motorcycle insurance laws work differently, because PIP does not apply to motorcycles.
PIP vs. Bodily Injury Liability
PIP pays your own bills; bodily injury liability pays for the people you hurt. Florida does not require BI on most private cars, which is exactly why so many Florida drivers are dangerously underinsured — a serious at-fault accident can reach your savings and your wages once your coverage runs out. If your license requires an SR-22 or FR-44 filing, the state is already telling you liability limits matter; our SR-22 insurance page explains those filings in plain language.
Is Florida PIP Coverage Enough?
Ten thousand dollars disappears quickly in a Florida emergency room, and 80% of “reasonable” charges is not the same as all of them. Real protection is built around PIP, not on it: bodily injury liability, uninsured motorist coverage, and collision each close a gap PIP was never designed to cover. A licensed agent can show you what each layer adds for your situation — start with our Florida auto insurance page and compare real options across multiple carriers, free.