What is PIP Insurance?

What is PIP Insurance?

August 18th, 2016
by Dr. Travis Utter

As a licensed motorist living in Florida, it is important to understand PIP Insurance. Based on Florida law, every vehicle owner must have at least $10,000 worth of Personal Injury Protection insurance. This insurance is offered through the vehicle owner’s auto insurance policy. 

PIP benefits are paid out regardless who is at fault for the accident. Accident victims will have 80% of their medical bills covered and 60% of their lost wages reimbursed, up to the maximum payout of $10,000. The remaining expenses and losses are paid out of the victim’s pocket.

No fault insurance definition

PIP stands for personal insurance protection or personal injury protection. PIP insurance is a requirement in Florida. Personal Injury Protection insurance is a no-fault car insurance policy . It provides drivers with guaranteed benefits after an accident for medical bills and lost wages. Personal Insurance Protection was created as a way to expedite accident injury claims.

Please schedule an appointment with our experienced staff within 14 DAYS of your motor vehicle accident in order to help ensure that you receive your PIP insurance benefits, and avoid having to potentially pay for all of your medical care out of pocket.  

Personal Injury Protection

According to Nationwide, the "80% of medical and other expenses" may include "medical treatment of the injuries suffered by you and your passengers as well as medical expenses you might incur if injured as a passenger in another car or as a pedestrian."

PIP Insurance and Your Medical Care

At Preferred Injury Physicians, we are here to help you with any questions you may have about how your PIP Insurance will affect your ability to receive care. We will also be able to help you diagnose any health issues that you may have incurred as a result of your car accident injury, which could prove vital in your case against a potentially negligent driver, if you decide to seek legal representation for your accident.

Please schedule an appointment with our experienced staff within 14 DAYS of your car accident.

Dr. Travis Utter

Dr. Travis Utter attended Florida State University and graduated from the University of Central Florida in 2003, where he studied Communications and Science. A true passion for helping and healing others

Preferred Injury Physicians

If you are experiencing pain from an accident or a sports-related injury, whether it be neck pain, back pain, headaches or other ailments, if you schedule an appointment at Preferred Injury Physicians, your road to recovery will begin immediately!


109 Terra Mango Loop
Orlando, FL 32835