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When Insurance Isn’t Enough

Understanding Florida PIP Benefits

What “No-Fault” Really Means

Florida’s Personal Injury Protection Explained

 In Florida, your own insurance pays first after a car crash—regardless of who caused it. But PIP doesn’t always go far. We help you understand your rights & next steps.

Know Your Coverage, Protect Your Future

When to Call a Lawyer for PIP Issues

Most drivers don’t realize how limited PIP coverage really is. If your injuries are serious—or your claim is delayed—we step in to protect your compensation.

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Coverage Limits

PIP pays only 80% of medical bills & 60% of wages.

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Exceeding Thresholds

Severe or permanent injuries may allow you to sue.

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Denials & Delays

We challenge slow or unfair insurance response

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Maximizing Claims

We explore recovery options when PIP isn’t enough.

Personal Injury Protection FAQs

PIP is confusing. Here are answers to the most common questions clients ask us after a Florida car accident.

  • What is Personal Injury Protection (PIP)?

    PIP is a type of auto insurance that covers your injuries after a crash—regardless of fault. In Florida, it’s mandatory and usually provides up to $10,000 for medical bills and partial lost wages. But many find it doesn’t come close to covering real costs.

  • What if my bills are higher than my PIP coverage?

    That’s very common. If your injuries are serious—like loss of function, permanent disability, or disfigurement—you may be able to step outside the no-fault system and file a lawsuit. We’ll evaluate your case and explain every option.

  • Can I sue the at-fault driver in a no-fault state?

    Yes, if your injury meets Florida’s “serious injury” threshold. These include permanent injuries, significant scarring, or major loss of bodily function. We help determine if your case qualifies and guide you through next steps.

  • Do I need an attorney for a PIP claim?

    Not always—but if you’re denied benefits, feel overwhelmed by the process, or believe your injuries go beyond basic coverage, an attorney can make a big difference. We step in when your insurer doesn’t.

  • What happens if I only have partial PIP coverage?

    Some drivers have PIP that only covers medical bills—not lost wages. We’ll review your policy, clarify what’s included, and explore additional avenues for financial recovery if coverage falls short.

Still Have a Question?

PIP isn’t designed to go the distance. If you’re hitting limits or facing denials, let’s talk about what’s really available to you.

Let’s Make Your Options Clear

Talk to a PIP Claim Attorney

Unsure what your policy covers? Frustrated with slow insurance payouts? We help Florida drivers understand their rights and pursue what they’re really owed—starting with a free consultation.