Your personal injury protection (PIP) policy that you were required to purchase when you registered your car in Florida will provide some coverage of your expenses. The required amount of insurance that drivers must purchase is a $10,000 policy. From this policy, you can obtain 80 percent of your medical costs, up to the limit of your policy, as well as 60 percent of your lost wages, regardless of who was at fault for the accident.
While this policy may help—particularly in the early days of your treatment—the amount provided will likely not be enough to cover all—or even a large portion—of the expenses you face.
Because spinal cord injuries pass the serious injury threshold in Florida’s laws, claimants can generally bypass the PIP claims process and file a spinal cord injury lawsuit to obtain a higher level of compensation.