Florida has more thorough insurance requirements than many other states. As is true of most jurisdictions, Florida requires that motorists carry liability coverage. Drivers typically pay for insurance that protects them from liability related to property damage or injuries if they cause crashes.
Motorists are also subject to a requirement to carry no-fault coverage. Every insurance policy in Florida typically has to include no-fault personal injury protection (PIP) coverage. What rules apply to PIP coverage after a Florida car crash?
PIP coverage applies to certain losses
Liability coverage can help pay to repair or replace a vehicle. It can also pay for medical care costs and replace lost wages. PIP coverage is only useful for injury-related expenses. Thankfully, it is available to those who may not be eligible for liability coverage because they were at fault for a wreck.
People filing claims can use their personal PIP coverage to pay for up to 80% of collision-related medical care costs. However, PIP coverage does not pay for the full amount of care. Additionally, the full amount of coverage is only available in cases involving emergency medical conditions.
If the medical condition is a non-emergency, then the maximum amount of coverage available is $2,500. There are also strict limits on claims for lost wages. PIP only covers up to 60% of a worker’s unearned income. Typically, drivers carry $10,000 in PIP coverage, which they use first. Liability coverage then kicks in and helps cover any residual expenses.
Understanding the rules for insurance claims after a car crash can help people get the support that they deserve. PIP coverage is an important component of Florida insurance requirements.