Florida insurances laws require each vehicle registered in the state to carry Personal Injury Protection (PIP) insurance. This law is known as the Florida Motor Vehicle No Fault Law. The guidelines of the law state that all resident relatives, regardless of their listed driver status, are covered by the insured driver’s PIP insurance.
PIP Insurance Coverage
PIP insurance coverage provides:
- Benefits for disabilities (60% of lost wages due to injuries from a covered accident; not to exceed $10,000 for each covered accident)
- Benefits for medical care (80% of medical costs resulting from injuries received in an accident)
- Benefits for deaths ($5,000 for each insured person)
Persons Covered by PIP in a Car Accident
The coverage for resident relatives applies to children who normally reside in the home, but are attending college in another state. In addition, the PIP insurance coverage will cover any resident relative who normally resides in the home with the insured, but is temporarily out-of-state when the accident occurs.
You may choose to have a deductible and exclude work loss. Choosing either or both of these options will lower your PIP insurance payment.
PIP insurance coverage pays benefits regardless of who is at fault due to the no,fault insurance statute laws of Florida. In addition, PIP pays medical bills, work loss, and death benefits, regardless of any life or health insurance coverage you may have according to the PIP coverage you have elected to purchase.
Contact a Clearwater Car Accident Attorney
If you have been involved in a car accident in Clearwater, FL, you need to contact Bryan Caulfield today. He will explain how PIP insurance can pay damages for your injuries. We always offer a free consultation.