In Florida, residents are required to include Personal Injury Protection (PIP) as part of their automobile insurance policy. In the event of an accident, no-fault insurance coverage pays the medical bills of the insured up to the limit of the insurance policy. All Florida drivers who own a vehicle with four or more wheels must carry a minimum of:
• $10,000 in personal injury protection (PIP) benefits
• $10,000 in property damage liability benefits
In addition to covering you, PIP insurance will cover your children, other members of your household, and some passengers, provided they do not have PIP insurance and do not own a vehicle of their own. Anyone riding in your vehicle who suffers injuries will be covered by their own PIP insurance. Additionally, your PIP insurance will cover you if you are injured in an accident while riding as a passenger in someone else’s vehicle. On a side note, your PIP insurance will provide legal representation if you were to get sued.