Yes, in Florida $10,000 is the basic, minimum limit for Personal Injury Protection (PIP). We recommend additional PIP and extended PIP if you want extra PIP coverages
You need PIP to cover medical expenses for any injuries sustained in an auto accident by you and members of your household. In Florida, PIP is also referred to as "no-fault" coverage.
The minimum amount of Personal Injury Protection in Florida can be insignificant if you are severely hurt. PIP pays the following amounts, up to the $10,000 limit (after your deductible amount):
- 80 percent of reasonable and medically necessary medical expenses;
- 60 percent of disability benefits for lost gross income and earning capacity;
- 100 percent of replacement services (such as child care, housekeeping, etc.); and
- $5,000 per individual death benefit.
One usually has a deductible amount of $250, $500 or $1,000 associated with PIP coverages. Choosing a zero dollar deductible will reduce your out-of-pocket expense when using your PIP benefits.
One way to increase your PIP benefits is to obtain extended and additional PIP coverages.
Extended PIP increases PIP medical benefits from 80% to 100% and work loss benefits from 60% to 80%. The maximum limit per person remains $10,000.
To raise your PIP limits, you need to obtain additional PIP. This endorsement to your car insurance policy increases the $10,000 per person maximum PIP benefit to a higher amount -- additional amounts commonly available include $25,000, $40,000 and $90,000.
Both additional and extended PIP is for the named insured and family members only. You can only obtain additional PIP if extended PIP is also purchased on your policy.
Not all car insurance companies in Florida offer these optional PIP coverages. Ask your current insurer if they offer these coverages, if they don't then shop around for a car insurance company that does.
If you are looking for more medical coverage under your car insurance policy without expanding your PIP coverages, you may want to get medical payments coverage.
Medical payment coverage will pay for medical expenses of you, your family members and passengers from injuries sustained in a car accident, regardless of fault. This coverage comes into play after you have reached your PIP limit and will cover up to your policy specified limit.
CarInsurance.com can help if you are ready to shop for extra medical coverage for your car insurance policy.
We offer the ability to shop for car insurance online and the ability to purchase your policy directly through CarInsurance.com. Get started now with instant car insurance quotes for Florida.