If you get into an automobile accident, PIP covers you up to the limits of your PIP coverage, regardless of fault. The "at fault" party is the person(s) determined to be the cause of the accident. Your PIP will cover your child, if that child is a resident of your household, and other resident members of your household. It also covers your child if he or she suffers an injury while riding a school bus. For accidents occurring in Florida, PIP covers you and members of your household who do not own a vehicle of their own, certain passengers who lack PIP, and certain licensed drivers who drive your vehicle with your permission.
People riding in your vehicle who carry PIP will receive coverage under their own PIP for their injuries. Your PIP will cover a person injured in your vehicle who otherwise lacks access to PIP or does not own a vehicle. However, your PIP will not cover an injured person who owns a vehicle but lacks PIP.
So Personal Injury Protection is designed to cover you, up to your PIP limits, if you have been injured in an auto accident, regardless of fault. A typical PIP policy pays 80% of medically necessary expenses, 60% of lost wages and 100% of replacement services such as child care and $5000 for death benefits.
You can amend or extend your PIP to increase medical expenses to 100% and lost wages to 80% or increase your minimum limits from $10,000 to $20,000 or more. With higher PIP limits the coverage you, and members of your household who do not own a vehicle of their own and certain licensed passengers who drive your vehicle with your permission, would be covered up to this new extended limit instead of the normal lower limit of $10,000.
If you were injured in an auto accident in Florida you should speak to your insurance provider about how to make your PIP claim against your policy.
Your insurance company must provide you with a notice of your rights when you file a PIP no-fault claim. This notice will include items such as a list of your PIP benefits, exclusions and limitations, and payment deadlines. Your insurance company must pay you or the service provider within 30 days upon receipt of proper written notification of the PIP loss amount. If not, you or your provider will collect interest on the amount of your loss until you receive payment.