Yes. PIP is designed to provide eligible benefits regardless of who caused the crash. Which policy pays depends on your circumstances and the coverage available.
Personal injury protection (PIP) is auto insurance that helps pay accident-related medical bills and lost income, regardless of who caused the crash.
Florida generally requires vehicle owners to carry at least $10,000 in PIP coverage. To qualify for PIP medical benefits, you must receive initial medical services and care within 14 days of the accident.
After a car accident, figuring out how to pay for care can feel overwhelming. Understanding your PIP coverage can help you know what to expect and take the next step.
PIP is often called no-fault insurance because you can use applicable benefits without waiting for a decision about who caused the accident. It helps cover eligible losses for the insured person and, in some circumstances, household members, drivers or passengers.
Coverage for a particular person depends on the policies involved and Florida’s rules about which insurer pays. If you were a passenger, do not assume the driver’s policy is automatically the one that covers you. Your insurer can help determine which policy applies.
PIP is different from property damage coverage: it addresses eligible injuries and related losses, rather than repairs to your car.
Florida PIP provides up to $10,000 in combined medical and disability benefits, subject to eligibility and policy terms. It does not automatically pay every bill in full. Under Florida law, benefits include:
Your policy may include a deductible, and the amount available for medical care can depend on whether an authorized clinician determines that you have an emergency medical condition (EMC).
The $10,000 figure is a maximum benefit, not a guaranteed payment for every claim.
To qualify for PIP medical benefits, you must receive initial medical services and care within 14 days after the motor vehicle accident. If you wait longer, those benefits may not be available for the injury.
Your health comes first. Some injuries become more noticeable hours or days after a crash, so it helps to tell a provider about the accident and any new pain or symptoms. An evaluation also creates a record of your concerns and helps determine whether you need additional care.
At Complete Care, we offer auto accident injury evaluations and treatment and can help you understand the next steps in your care. Our team can also help you navigate the paperwork and insurance questions that come with an accident.
An EMC is a condition with acute symptoms serious enough that, without immediate medical attention, it could reasonably be expected to put your health at serious risk or cause serious impairment or dysfunction.
Under Florida’s PIP law, eligible medical care may be reimbursed up to $10,000 when an authorized clinician determines that the injured person had an EMC.
If the person is determined not to have an EMC, reimbursement for medical care is limited to $2,500. Only the types of clinicians specified in the law can make the determination used for the higher limit.
You do not need to decide whether your injury meets that definition before seeking care. A provider can evaluate your symptoms and recommend next steps.
Once you are safe:
If you are unsure where to begin, Complete Care’s New Patient Counselors can help you schedule an evaluation and explain what information to bring.
Yes. PIP is designed to provide eligible benefits regardless of who caused the crash. Which policy pays depends on your circumstances and the coverage available.
It can. Passengers may qualify for PIP benefits, but the policy responsible for paying depends on whether the passenger has their own coverage or coverage through a household member and on other facts of the accident.
If you do not receive initial medical services and care within 14 days of the accident, you may be unable to receive PIP medical benefits for that injury.
Contact your insurer about your specific claim, and seek medical care if you have health concerns even after the deadline has passed.
It may. PIP can help pay for eligible, medically necessary accident-related services, subject to Florida’s requirements, your available benefits and your policy. Your provider can recommend care based on your injury, and your insurer can explain how the services apply to your claim.
No. PIP is auto insurance for eligible losses after a motor vehicle accident. Health insurance has different coverage and payment rules.
For auto accident care, we primarily accept Florida PIP insurance. We don’t accept major medical insurance, but if you’re unsure how to pay for treatment, our team can walk you through your payment options.
You should not have to sort through symptoms, appointments and insurance paperwork on your own.
If you have been injured in a car accident, Complete Care can help you schedule an evaluation and understand what to expect.
Call (844) 699-2273 to speak with a New Patient Counselor or request an appointment online.
This article is for general information and is not medical, legal or insurance advice. Coverage depends on your policy and circumstances. Contact your insurer or a licensed professional for guidance about your claim.
Complete Care is a fully integrated healthcare system focused on treating injuries resulting from auto accidents and slip-and-fall incidents. Through a coordinated network of providers and services, Complete Care helps patients recover from injury through personalized treatment plans, active rehabilitation, and convenient access to care.
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