Orlando Personal Injury Attorney Ryan Munns Explains PIP Insurance

PIP Insurance Coverage - Personal Injury Attorney Ryan Munns | Bogin, Munns & Munns
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The no-fault provision of the law provides for benefits from your own insurance company to pay for medical expenses, lost wages, and other out-of-pocket expenses.

It’s often termed your “personal injury protection portion” of your insurance policy.  There’s a statute on the books that talks about what they’re supposed to pay, “they” being your insurance companies.  They pay your medical expenses, irrespective of who’s at fault.  They pay at a specific rate, usually 80%, up to $10,000.  You might not get $10,000, depending on how seriously you’re injured.  There’s a provision in the statute that says if you have an emergency medical condition, then you can have coverage up to $10,000.  If you do not have an emergency medical condition, your coverage could be capped at $2,500.

You might have elected a deductible on your PIP insurance, and you might have purchased something that expands your coverage, like medical payments coverage.  But the rule of thumb is, you can have somewhere between $2,500 and $10,000 (maybe more) of coverage for medical expenses and other expenses (lost wages, out -of-pocket expenses…) as a result of a car accident, if you are injured and if you’ve got a claim that you’re prepared to present to your insurance  company.

You might not get $10,000, depending on how seriously you’re injured.

That claim must be presented, at least the first care received, within 14 days of your accident.  If you do not get care within 14 days of your accident, then you don’t get any coverage.  Even if you pay for it for a decade!  You don’t get any coverage under your PIP portion of your policy, unless that needed medical care is first received within 14 days of your accident.


Ryan Munns is an experienced personal injury attorney and Partner with Bogin, Munns & Munns, a full service law firm with offices in Orlando, Clermont, Kissimmee, Orange City, Daytona Beach, Ocala, Melbourne, Gainesville, and Leesburg.  Mr. Munns works out of the Orlando office and welcomes questions and comments regarding the above.  He can be reached at ryan@boginmunns.com.

NOTICE: The article above is not intended to serve as legal advice, and you should not rely on it as such. It is offered only as general information. You should consult with a duly licensed attorney regarding your Florida legal matter, as every situation is unique. Please know that merely reading this article, subscribing to this blog, or otherwise contacting Bogin, Munns & Munns does not establish an attorney-client relationship with our firm. Should you seek legal representation from Bogin, Munns & Munns, any such representation must first be agreed to by the firm and confirmed in a written agreement.

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