Personal Injury Protection

Florida's law requires that all registered motor vehicle owners carry Personal Injury Protection (PIP) insurance. The minimum amount allowable for PIP coverage was increased to $10,000 in 1979 and remains at that amount today.

The intention was to provide injured drivers up to $10,000 in immediate medical coverage in lieu of establishing fault through the court system. The 2012 Legislature passed major PIP reform legislation to address increasing fraud and abuse in the system. Specifically, the legislation placed caps on non-emergency medical services at $2,500 and excluded certain services from covered medical benefits.

For more information, contact FHA Vice President of Government Affairs Crystal Stickle.