Florida PIP (No-Fault) Insurance Explained

Every driver in Florida is required to carry Personal Injury Protection, but few understand its limits until they're hurt in an accident.

Written by the Florida Injury Team Legal Content Team · Reviewed for accuracy by our network of licensed Florida attorneys · Learn about our editorial process

Florida is a no-fault state — what that means

Florida requires drivers to carry Personal Injury Protection (PIP) coverage, at least $10,000, which pays a portion of your medical bills and lost wages after a car accident regardless of who caused it — before you even look at who was at fault.

What PIP actually covers

• 80% of reasonable, necessary medical expenses, up to your policy limit
• 60% of lost wages if the injury keeps you from working
• Certain death benefits

The 14-day rule

You must seek medical treatment within 14 days of the accident for PIP to cover your care. Missing this window can mean losing access to that coverage entirely, so prompt medical attention matters even for injuries that don't feel severe right away.

When PIP isn't enough

$10,000 is exhausted quickly by ER visits, imaging, and follow-up care. Once PIP runs out, or if your injury meets Florida's "serious injury" threshold, you may be able to step outside the no-fault system and pursue a claim against the at-fault driver for your remaining damages, including pain and suffering.

How PIP interacts with a liability claim

PIP pays first regardless of fault, but it doesn't cover everything. An attorney can help determine when and how to pursue the at-fault driver's insurance for the gap PIP leaves behind.