Florida PIP

Florida PIP benefits, explained

Personal Injury Protection is the core of Florida's no-fault system. It pays quickly and regardless of fault — but it is narrow, and understanding its limits is the first step in valuing any auto-injury claim.

Limit: $10,000 (medical + disability)
Medical: 80% of reasonable expenses
Lost wages: 60% of gross income
Excludes: Vehicle damage · pain & suffering

What PIP covers

80% of reasonable and necessary medical expenses
60% of lost gross income and loss of earning capacity
Replacement-services and, subject to limits, death benefits

What PIP does not cover

PIP does not pay for vehicle damage — that is a separate property-damage claim — and it does not compensate pain and suffering (non-economic damages). Those recoveries come from the at-fault party's bodily-injury liability coverage, once the injury threshold to step outside no-fault is met.

How PIP fits the larger claim

PIP is the floor, not the ceiling. It stabilizes the injured person's immediate medical and wage losses; the demand package then documents the full economic and non-economic damages the at-fault insurer should pay beyond PIP. The two coverages are distinct, and a case file should keep them clearly separated.

Frequently asked

How much does Florida PIP pay?

Up to $10,000 total, covering 80% of reasonable medical expenses and 60% of lost gross income. The $2,500 sub-cap applies when there is no Emergency Medical Condition determination.

Does PIP cover pain and suffering or car repairs?

No. PIP excludes both vehicle damage and pain-and-suffering. Those are recovered separately — property damage as its own claim, and non-economic damages through the at-fault party's liability coverage.

Sources

Fla. Stat. § 627.736 — Scope and limits of PIP

Last updated 2026-07-26

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Educational reference — not legal advice. ClaimLens is a demonstration app that runs on synthetic data. Statutes and insurer practices change; verify anything you rely on with the primary source or a licensed Florida attorney.