The Office of Insurance Regulation published the Notification Of Personal Injury Protection Benefits.

It does a great job of explaining your personal injury protection rights and benefits under the Florida Motor Vehicle No-Fault Law.  Some of that information is below.

However, here, this article is more informative because it gives easy to understand examples of your PIP rights and benefits in Florida so that there is no confusion.

The Florida Motor Vehicle No-Fault Law does two things:

(1) It establishes a limited exemption from liability for injuries caused to others in an automobile accident; and

(2) It establishes personal injury protection (PIP) benefits to pay for certain losses resulting from an accident.

Medical payments coverage is optional coverage in an Florida car insurance policy.  Medical payments coverage is also known as Med-Pay.

Personal Injury Protection (PIP) insurance can be a big benefit after an Uber car accident. 

Several states have No-Fault laws. Just look at this map:

Each states’ No-fault laws are different. For example, in Florida, if you qualify for Personal Injury Protection (PIP), it could pay up to $10,000 of medical bills and lost wages.  And got forbid someone dies in the crash, PIP pays a $5,000 death benefit.

If you’re in an Uber accident, you may be entitled to Personal Injury Protection (PIP) insurance.  However, if you’re hurt as a passenger in an Uber vehicle in Florida, Uber won’t give you Personal Injury Protection (PIP) benefits. This is true regardless of whether you live in Florida or are an out of state resident who is injured in a Florida car accident.

If an Uber hits a pedestrian, Uber’s PIP won’t cover the pedestrian unless the Uber driver’s app was on but he wasn’t engaged in a ride.

In Florida, Personal Injury Protection (PIP) gives a $5,000 death benefit resulting from death arising out of the ownership, maintenance, or use of the motor vehicle.  Most Florida auto insurance policies must give personal injury protection (PIP) to the following:

Let’s assume that you’re driving a friend’s car in Florida.  Or you’re a passenger in a friend’s car.  In either event, assume that another driver hits you. [Read more…]

Many Florida auto insurance policies with Personal Injury Protection (PIP) coverage have a deductible.  How does a PIP deductible affect payment of your medical bills? [Read more…]