{"id":707,"date":"2017-05-04T19:24:32","date_gmt":"2017-05-04T19:24:32","guid":{"rendered":"https:\/\/fiolinjurylaw.wpenginepowered.com\/blog\/what-is-floridas-no-fault-insurance-or-pip\/"},"modified":"2026-01-07T23:24:35","modified_gmt":"2026-01-08T04:24:35","slug":"what-is-floridas-no-fault-insurance-or-pip","status":"publish","type":"post","link":"https:\/\/www.fiolinjurylaw.com\/en\/blog\/what-is-floridas-no-fault-insurance-or-pip\/","title":{"rendered":"What is Florida's No-Fault Insurance or PIP?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Florida\u2019s no-fault insurance applies to every car accident across the state, and an attorney who understands these complex laws will be your best ally. This law requires everyone to have their own no-fault insurance so they can cover themselves, no matter who was at fault in the accident. It is also known as personal injury protection, or PIP. PIP also applies to pedestrians and cyclists injured by vehicles and children injured on school buses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The no-fault insurance is a $10,000 insurance policy that the law forces you to have. Its purpose is to pay the medical bills or lost wages a victim may suffer after accident. If, at any point, you get in an accident, no matter who is at fault, you may receive up to $10,000 \u2013 depending on the circumstances. After an accident, all people involved deal with their own their own insurance companies. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the technicalities about the rule is that the personal injury protection <\/span><a href=\"https:\/\/statelaws.findlaw.com\/florida-law\/florida-workers-compensation-laws.html\"><span style=\"font-weight: 400;\">only covers 80% of the medical bills and only 60% of lost wages<\/span><\/a><span style=\"font-weight: 400;\">. This means that you will end up still owing money after the medical bills and lost wages in most situations. Additionally, if you were not permanently injured and the total money that you lost was less than $10,000, you may not file a lawsuit against the other driver for the amount that you still owe after the PIP, even if the other driver was clearly at fault. <\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/what-is-floridas-no-fault-insurance-or-pip\/#Advantages_for_Drivers_of_Floridas_PIP_Law\" >Advantages for Drivers of Florida\u2019s PIP Law<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/what-is-floridas-no-fault-insurance-or-pip\/#Exceptions_to_Floridas_PIP_Rule\" >Exceptions to Florida\u2019s PIP Rule<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/what-is-floridas-no-fault-insurance-or-pip\/#If_You_Need_or_Want_to_Pursue_a_Lawsuit\" >If You Need or Want to Pursue a Lawsuit<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Advantages_for_Drivers_of_Floridas_PIP_Law\"><\/span><strong>Advantages for Drivers of Florida\u2019s PIP Law<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">One of the main advantages of <a href=\"https:\/\/www.fiolinjurylaw.com\/is-florida-still-a-no-fault-state-2019\/\">Florida\u2019s no-fault rule<\/a> is the way it affects litigation. Using this system reduces the number of possible lawsuits, which greatly reduces the cases in the state that need to be processed. This simplifies things for the person injured. Instead of needing to debate with another insurance company and another person, you can immediately get the care that you need. There is no time spent trying to decide who is at fault.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Exceptions_to_Floridas_PIP_Rule\"><\/span><strong>Exceptions to Florida\u2019s PIP Rule<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If a person suffers a permanent injury from the accident, he or she may not pursue a lawsuit against the other driver. Florida law defines a permanent injury as significant and permanent loss of an important body function, permanent injury within a reasonable degree of medical probability, significant scarring or disfigurement of any kind. If you have suffered one of these extreme injuries, you are exempt from the no-fault rule and have the option of taking the other driver to court.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The other clear exception to the no-fault rule is if the financial losses that you experienced because of the accident add up to more than $10,000. If that happens, you can file a lawsuit against the other driver for any cost that the personal injury protection did not cover. <\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"If_You_Need_or_Want_to_Pursue_a_Lawsuit\"><\/span><strong>If You Need or Want to Pursue a Lawsuit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you were in an accident where you sustained a permanent injury or had to spend more than $10,000 to recover, you need help from a Florida insurance company that knows the ropes and can handle insurers. The <a href=\"https:\/\/www.fiolinjurylaw.com\/practice-areas\/tampa-car-accident-lawyer\/\">Tampa accident attorneys<\/a> of Fiol & Morros Law Group can explain your rights, Florida's insurance policies, and your legal grounds for a personal injury lawsuit in a free consultation.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Florida\u2019s no-fault insurance applies to every car accident across the state, and an attorney who understands these complex laws will be your best ally. This law requires everyone to have their own no-fault insurance so they can cover themselves, no matter who was at fault in the accident. It is also known as personal injury [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-707","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is Florida&#039;s No-Fault Insurance or PIP?<\/title>\n<meta name=\"description\" content=\"Florida\u2019s no-fault car insurance (PIP) requires drivers to carry coverage that pays up to $10,000 for medical expenses and lost wages after any accident.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/what-is-floridas-no-fault-insurance-or-pip\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Florida&#039;s No-Fault Insurance or PIP?\" \/>\n<meta property=\"og:description\" content=\"Florida\u2019s no-fault car insurance (PIP) requires drivers to carry coverage that pays up to $10,000 for medical expenses and lost wages after any accident.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/what-is-floridas-no-fault-insurance-or-pip\/\" \/>\n<meta property=\"og:site_name\" content=\"Fiol &amp; 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