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What Allows Me to Recover Under Florida Personal Injury Protection?

In Florida, there is statute that requires all registered motor vehicles to be covered and insured by a minimum of $10,000 of personal injury protection. No matter who is at fault in the event of a motor vehicle accident, PIP pays for the medical costs insured by the drivers, passengers, and pedestrians injured in the accident. However, in the event of an accident, many people often have questions as to if they are eligible to recover under PIP.


The goal of personal injury protection is to quickly and efficiently provide anyone with injuries as a result of an automobile accident with the proper funds necessary for medical treatment. This is done with the hope of minimizing litigation and speeding up the treatment process. However, in order to recover under personal injury protection, one must:

  • Seek medical treatment within 14 days of the accident. The following constitutes as medical treatment: hospital visit, walk-in clinic visit, treatment from EMS responders, or a chiropractor visit.
  • One must be diagnosed with an emergency medical condition to receive the full $10,000. If not, you are only entitled to a maximum of $2,500. An emergency medical condition is defined as “a medical condition that poses a serious threat to bodily functions, organs, or parts.” A few examples of such conditions would be traumatic brain injury, neck injury, or spinal injury.
  • In order for personal injury protection to take effect, one must be treated by a licensed medical professional, such as a doctor, chiropractor, or dentist. One also may be treated by a hospital.


If said pedestrian or bicyclist owns a car, than yes, they are covered under personal injury protection. If not, then the next question asked should be do they live with a relative who owns a cars? If that answer is yes, than they are covered under personal injury protection then as well. If the pedestrian or bicyclist does not own a car nor do they reside with a relative who owns a car, only then is the treatment afforded from the at-fault party’s coverage.


Florida motorists often times will not have health insurance. If their insurance company refuses to help out with their treatment, doctors will get stuck with the bill. In order for doctors to receive payment for the services provided, they sue the insurance companies. They also litigate to prevent such situations from ever happening again.

At Sibley Dolman Gipe Accident Injury Lawyers, PA, our experienced personal injury protection lawyers have the resources to assist the medical providers in sending out letters and notices demanding payment for insurance companies. We also have the resources to take the largest insurance companies to trial if needed as well. We fight to get the maximum amount of money to the medical providers who help the injured heal. If you feel you are in need of a fierce Personal Injury Protection Suit attorney, contact Sibley Dolman Gipe Accident Injury Lawyers, PA today at 727-451-6900.

Sibley Dolman Gipe Accident Injury Lawyers, PA
800 North Belcher Road
Clearwater, FL 37765