Did Florida Repeal Its PIP Requirement? Is Having It Still Important?

If you’ve been following the news, you may have heard about Senate Bill 522. Legislation was proposed to repeal the personal injury protection (PIP) requirement and make changes to other auto insurance rules.

As of now, that bill has failed and is not law; the existing PIP requirement is still in effect. Drivers should understand this coverage and whether their auto insurance policies include it, so they can stay compliant and protect their finances after an accident.

What Does PIP Cover?

PIP can step in and cover expenses before fault is even determined, helping you and your passengers pay for injury-related expenses after an accident, regardless of fault. It typically covers:

• Medical treatments and hospital visits
• Lost wages if injuries keep you from working
• Rehabilitation and therapy costs
• Funeral expenses in the event of a fatal accident
• Services you are unable to perform due to injury, such as childcare or household tasks

Coverage limits and available benefits may vary by state and by the policy you select.

Does Florida Still Require PIP?

Florida is a no-fault state, meaning each driver’s own policy must cover their injuries regardless of who caused the accident. State law remains unchanged and requires registered vehicle owners to carry minimum amounts of PIP and property damage liability (PDL) coverage.

Get Yourself Covered Before You Need It

Waiting until after an accident to think about the necessary coverage can be costly. Contact Pride Insurance today to explore your auto insurance options and request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.