Guide

Florida PIP in plain English

Updated 2026-09-13 · Fact-checked educational article

Quick answer

Personal injury protection is a medical-benefits conversation, not a pain-and-suffering calculator.

A benefits bucket

PIP often pays a portion of medical bills and some lost wages after a crash, with limits and conditions. It is not “the value of the case.”

Deadlines

Reporting and treatment windows can be short. Ask the carrier what starts the clock.