If you were in a car accident in Florida, PIP insurance will pay 60% of your lost wages up to the $10,000 limit, though this amount may be reduced by payments for other expenses such as medical bills. We recommend you get a letter from your doctor specifying how long you must wait before returning to work, as well as a letter from your employer stating that you have not been working due to your injuries. For the remaining unpaid portion (and for cases where there is no PIP insurance), the sum of your lost wages will be a factor when negotiating with the at-fault party.