What is Personal Injury Protection in Florida (PIP)

Personal Injury Protection (PIP) in Florida


Florida is one of ten states that have personal injury protection (no fault) auto insurance. The intention was to provide injured drivers up to $10,000 in IMMEDIATE MEDICAL COVERAGE in lieu of establishing fault through the court system. The goal was to reduce payment delay for injured drivers, as well as limit the utilization of the court system. In Florida, PIP coverage is REQUIRED to be purchased by all owners of motor vehicles registered in this state. PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault.

The State of Florida has made a change to this law. The law is still intact, however you are limited on time. If you want to file a claim on the PIP coverage, you must do so on or before the 14th day from the incident. Please remember that change in the law for PIP. If you need to use the coverage do not wait or you might not be eligible.

Insurance laws constantly change or are rewritten. It is important to stay informed and have a good understanding of what will affect you, when it comes to insurance. I do have a lot of clients that are from out of state, that move to The Villages or surrounding areas of Florida. Each state is different when it comes to insurance and a lot of the new residents, snowbirds are unaware of the differences. That is why I say that it is a good idea to talk to your agent, so that you have a good understanding of laws and how they affect you. What you might think or understand about your insurance coverages on you Home, Auto or even Business could be different in Florida.

Contact HomeTown Village Insurance if you have any questions on Insurance in the State of Florida. We would be happy to help you in any way that we can, even if you are not our client. We want to educate everyone on Insurance, not just the clients we have.


HomeTown Village Insurance is an independent insurance agency covering The Villages Fl, Leesburg Fl, Ocala Fl, Lake County, Marion County, Sumter County and all over Florida. We provide Homeowners Insurance, Auto Insurance, Commercial Insurance and other types or personal and business products.