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We've recovered hundreds of millions for car accident victims across South Florida. Don't let insurance companies underpay your claim. Talk to a Miami attorney now — free, confidential, and on your schedule.
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Practice Areas
Car Accidents
Rear-end, intersection, multi-vehicle — every type of collision.
Truck Accidents
Commercial trucking, FMCSR violations, 7-figure recoveries.
Motorcycle
We know how insurers attack riders. We push back harder.
Rideshare
Uber & Lyft claims with $1M+ liability stacks.
Florida PIP Laws: Know Your Rights
Florida's no-fault auto-insurance system pays up to $10,000 in medical bills and lost wages — but only if you follow the 14-day rule and a few other strict requirements.
What is Florida PIP (Personal Injury Protection)?
Florida is a 'no-fault' auto-insurance state. Under §627.736, every Florida-registered four-wheel vehicle must carry $10,000 in Personal Injury Protection. PIP pays the policyholder's medical bills, lost wages, and related expenses regardless of who caused the crash, up to the policy limit.
Fla. Stat. §627.736(1)
What does PIP cover?
PIP covers 80% of reasonable, necessary, and related medical expenses, 60% of lost wages, 100% of reasonable replacement-services costs (housekeeping, childcare), and $5,000 in death benefits — up to a combined $10,000 cap.
Fla. Stat. §627.736(1)(a)–(c)
Who is covered by my PIP?
Your PIP covers you, resident relatives in your household who don't own a vehicle, passengers in your car who don't own a car and aren't covered by another Florida PIP policy, and you while a pedestrian or bicyclist struck by any motor vehicle.
Fla. Stat. §627.736(4)(d)
Miami Incident Report
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