Florida is a no-fault state, so drivers must carry Personal Injury Protection (PIP) of at least $10,000. PIP pays a share of your own medical bills and lost wages after a crash, no matter who caused it. Because $10,000 goes fast, many Sunrise drivers add other coverages to fill the gaps.
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Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
What does Florida PIP insurance cover?
PIP generally pays 80% of reasonable medical expenses and 60% of lost income after an auto accident, up to your policy limit. It covers you, relatives in your household, and in many cases passengers who do not have their own PIP.
To use PIP benefits, Florida generally requires that you get initial medical treatment within 14 days of the accident. Missing that window can put your benefits at risk, so see a doctor promptly after any crash.
Is $10,000 of PIP enough?
For a minor fender-bender it may be. For anything more serious, medical bills can pass $10,000 quickly. Florida’s minimum requirements also do not include bodily injury liability, which protects you if you injure someone else.
That is why we often talk with clients about adding bodily injury liability, uninsured motorist coverage and MedPay. Together they help protect your savings if an accident is worse than expected.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
Can I lower my PIP cost?
Florida lets you choose a PIP deductible, and a higher deductible lowers the premium. Some drivers who have strong health insurance pick a higher PIP deductible. Others prefer a lower one for simplicity.
As an independent broker, we compare several carriers so you can see how each choice changes your price before you decide.
Frequently Asked Questions
Is PIP required in Florida?
Yes. Florida requires drivers with a registered four-wheel vehicle to carry at least $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability.
Does PIP cover my passengers?
PIP can cover passengers who do not have their own PIP coverage, as well as relatives who live in your household.
Does PIP pay for damage to my car?
No. PIP covers injuries and lost wages. Damage to your own car is covered by collision coverage.
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Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
