Florida is a no-fault insurance state, i.e., if you are injured in a car accident, your insurance company pays for up to $10,000 for 80% of your medical expenses (not including massage therapy and acupuncture) and 60% of lost wages (minus a deductible if you have chosen one) regardless of whether you are at fault as long as the injured person initiated treatment within 14 days after the car accident. It also provides $5,000 in death benefits. This coverage is called “Florida No-Fault Coverage” or Personal Injury Protection (PIP).

The maximum reimbursement under the PIP coverage is limited to $2,500, unless the injured person has an “emergency medical condition” (EMC) as determined by a statutory authorized provider. Typically, the EMC determination is made by a medical doctor. Chiropractors are not allowed to make such a determination.

Emergency medical condition means a medical condition manifesting itself by acute symptoms of sufficient severity, which may include severe pain, such that the absence of immediate medical attention could reasonably be expected to result in any of the following:

  • serious jeopardy to patient health;
  • serious impairment to bodily functions, or
  • serious dysfunction of any bodily organ or part.

For accidents that happen in Florida, the PIP insurance usually covers the insured person, resident relatives of the insured person, passengers, drivers, pedestrians and bicyclists who do not own a vehicle on their own, pedestrians and bicyclists. For out-of-state accidents, PIP only covers the insured and resident relatives of the insured while driving the insured car only.

At Anna Handy Law Firm, P.A. we can make a claim with an insurance carrier to provide you PIP insurance coverage. We can also investigate the availability of PIP insurance coverage for your claim if you do not own a motor vehicle, and in some cases, file a lawsuit to determine the applicability of coverage to your claim. If you have been injured in an accident that was not your fault, please give us a call for a free non-obligation consultation. (386) 248-3000.

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