PIP Insurance

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Personal Injury Protection

PIP, or Personal Injury Protection, is automobile insurance coverage that pays medical expenses for individuals injured in an auto accident, regardless of who is at fault. This coverage is also known as no-fault Personal Injury Protection.

Terms to Know
  • PIP – Personal Injury Protection
  • MVA – Motor Vehicle Accident
  • IME – Insurance Medical Examiner

Who PIP Insurance Covers

PIP covers all occupants of the car, both driver and passengers, and pedestrians or cyclists hit by a car. Even if pedestrians and cyclists don’t carry PIP coverage themselves, the driver’s PIP insurance should pay medical bills resulting from the accident.

Medical bills are charged first to the PIP insurance carrier, and when that coverage is exhausted, to an individual’s healthcare plan. 

What PIP Insurance Covers

In Florida, PIP pays for reasonable and necessary medical treatment for all injured occupants in auto accident for up to one year, or until a policy dollar limit is reached, typically a maximum of $10,000. This amount varies by individual policy.

Under PIP, injured patients are allowed to seek medical care from the practitioner of their choice, including physical therapists, while under the direction of a medical doctor (MD, DO, and sometimes DC, depending on the insurance plan.) This last point is important because insurance companies will sometimes deny payment of medical bills when a medical doctor does not oversee the treatment plan.

Although PIP insurance is required to pay for any reasonable and necessary treatment that you receive, by doctors of your choosing, the insurance company may require you to see a doctor of their choice, called an Insurance Medical Examiner, or IME.