The short answer
Your own PIP pays 80% of medical bills and 60% of lost income, up to $10,000, whoever caused the crash. Treatment has to start within 14 days, and without an emergency medical condition finding the medical benefit stops at $2,500.
Source: Florida Statutes § 627.736(1)
What PIP pays
Your own policy pays first
Florida requires every owner of a four-wheel private vehicle to carry personal injury protection. It pays regardless of who caused the crash.
Of reasonable medical bills
Doctor, hospital, rehabilitation and related care, after any deductible on your policy.
Of lost income
Wages you could not earn because of the crash injuries, inside the same $10,000 limit.
Death benefit
Paid in addition to the medical and income benefits when a covered person dies.
Who it covers
You and relatives in your household, and usually passengers who have no PIP of their own.
§ Florida Statutes § 627.733, § 627.736(1)
PIP calculator
See roughly what PIP covers
Move the sliders and answer the two questions. The estimate updates as you go.
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Illustration only. Deductibles, fee schedules and policy terms change the real figure.
The $2,500 cap
An emergency medical condition finding unlocks the full $10,000
Day 14 is the cutoff
Initial services must be received within 14 days after the crash for PIP to pay at all.
Who can make the finding
A physician, osteopath, dentist, physician assistant or advanced practice nurse can determine an emergency medical condition.
Without the finding
Medical benefits are limited to $2,500 of the $10,000.
§ Florida Statutes § 627.736(1)(a)
Other coverage
The policies that can respond after PIP
Bodily injury liability is not required for most Florida drivers, which is why your own uninsured motorist coverage matters so much here.
If PIP will not pay
From a denied bill to a demand letter
Send the bills and records
Providers usually bill PIP directly. Keep copies of everything, including mileage to appointments.
The insurer has 30 days
Once it has written notice of the claim and the amount, PIP benefits are due within 30 days.
Overdue benefits
Benefits paid late can carry interest under the PIP statute.
Demand letter before suit
A PIP lawsuit needs a pre-suit demand letter first. The insurer then has 30 days to pay.
§ Florida Statutes § 627.736(4), § 627.736(10)
Common questions
Questions people ask about Florida PIP
Sources
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Editorial information
Who wrote and checked this page
- Written by: After Crash Florida content team
- Legal review: not performed, general information only
- Last reviewed: November 12, 2026
- Corrections: see the Correction Policy