Personal Injury Protection (PIP) Coverage
For Deerfield Beach, Pompano Beach & Areas Across South Florida
There are more than 17 million vehicles and 15 million drivers registered in Florida. Regardless of whether you live in a rural or urban area, you could face accident risks. If one occurs, then you might sustain injuries and face an uphill recovery battle. With the correct personal injury protection (PIP) car insurance, you can receive help.
Since PIP coverage helps you pay for your accident injuries, Florida requires it. It is understandable, then, if you likely have a few concerns about your PIP coverage needs. At Automatic Insurance, we understand these concerns and we're here to help you find the right car insurance solution. Give as a call at (954) 421-9953 or get a free quote online today.
Common PIP Insurance Questions
PIP insurance is sometimes called no-fault injury coverage. This means that regardless of who was at fault for the accident, your PIP coverage pays for injuries and recovery costs. So, you won't have to file against another driver's liability coverage unless you have exceptional injury costs. Instead, your own auto policy will be your first line of defense. It can cover the injuries sustained by both drivers and their passengers.
Under Florida's no-fault car insurance laws, drivers must have at least $10,000 in PIP coverage. To gain more protection, you can increase your PIP limits beyond the minimum limits.
Keep in mind, no-fault laws only apply to bodily injuries. Therefore, Florida also requires at least $10,000 property damage liability (PDL) insurance. If a wreck was in fact your fault, then this coverage will help you pay for property damage done to third parties. So, if you collided with another vehicle, then your PDL policy will pay for that vehicle's damage.
You have no option but to carry PIP insurance in Florida. If you plan to register your car in the state, then you must have at least the $10,000 minimum coverage.
However, the more coverage you buy, the more help you might receive for injury costs. Carrying higher coverage limits is a wise decision. You never know what injuries a wreck might cause or what unexpected costs might arise.
When you get hurt in an accident, your PIP coverage will help you pay many of your immediate medical bills. It can also cover follow-up care, disability benefits, and even death benefits for those killed in wrecks. Certain medical benefits will not have coverage, however. Check your individual policy to see what it will pay for certain claims.
Though every driver should have PIP coverage, that does not free them from all potential injury liabilities arising from accidents. If an accident is your fault, then a third party might still qualify to file for an injury claim on your auto policy.
Before they can file against the at-fault driver's policy, the injured person must reach the limits of their own PIP coverage. However, such scenarios can happen. When someone qualifies to make a claim on your policy, bodily injury liability (BIL) insurance can help you pay. Though BIL coverage is optional in Florida, you can choose to add it to your policy.
Also, uninsured motorist coverage is a benefit you can buy to support your PIP coverage. It pays you if someone else lacks the liability coverage to compensate you even if you qualify to make a claim. This coverage can pay instead.