Florida's mandatory PIP coverage
Florida is one of the few states that require Personal Injury Protection (PIP) on every auto insurance policy. The law sets a minimum of $10,000 per person for medical expenses, lost wages, and certain other costs, regardless of fault. This baseline applies to all drivers, passengers, and pedestrians involved in a crash within the state.
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What PIP actually pays for
PIP benefits are split into three categories: medical expenses, lost wages, and death benefits. Medical expenses include doctor visits, hospital stays, surgeries, and necessary rehabilitation. Lost wages cover up to 80% of the insured's average weekly earnings, capped at the $10,000 limit. If a death occurs, the policy provides a $5,000 death benefit to the designated beneficiary.
How the $10,000 limit works
The $10,000 cap is per person, not per accident. If multiple people are injured, each can claim up to $10,000 from the at‑fault driver's insurer. If the at‑fault driver lacks sufficient coverage, the injured party may turn to their own PIP policy, which can serve as primary coverage under Florida's "no-fault" system.
Optional higher limits and supplemental coverage
Drivers may purchase PIP limits above the statutory minimum, often $20,000 or $30,000, to reduce out‑of‑pocket exposure. Additionally, many Floridians buy Supplemental Medical Payments (SME) or bodily injury liability to cover expenses that exceed PIP limits or to claim against a negligent driver in a fault‑based lawsuit.
Key differences from other states
Unlike most states that operate on a fault‑based system, Florida's no‑fault approach means PIP pays first, regardless of who caused the crash. This speeds up medical reimbursement but can lead to higher premiums because insurers must fund the mandatory benefits. Other states may offer PIP as optional, with lower statutory limits or no PIP at all.
When PIP does not apply
PIP does not cover injuries resulting from intentional acts, non‑motor vehicle incidents, or injuries occurring while the insured is under the influence of drugs or alcohol. In those cases, traditional liability or health insurance may be the primary source of compensation.
Comparing PIP limits and options
| Coverage Option | Minimum Limit | Typical Higher Limit | When to Choose |
|---|---|---|---|
| Statutory PIP | $10,000 per person | $20,000–$30,000 (optional) | Standard driver who wants basic protection. |
| Supplemental Medical Payments (SME) | None | $5,000–$50,000 | When you want extra medical coverage beyond PIP. |
| Bodily Injury Liability | None | $100,000–$500,000 | To pursue fault‑based claims and protect assets. |