What does PIP insurance cover after a car accident in Florida

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What is PIP and what does it pay?

Florida is a no-fault state. Your own auto insurance includes Personal Injury Protection (PIP), under Florida Statute §627.736. PIP pays 80% of your medical bills and 60% of your lost wages, up to a total of $10,000. There is also a deductible on your policy — the material does not give the deductible amount, so check your own policy or confirm with your insurer.

The 14-day rule

Under §627.736, you generally must get medical care within 14 days of the crash. If you wait longer than that, you risk losing your PIP benefits entirely. This is general information, not legal or medical advice — confirm your specific situation with a professional or your insurer.

What PIP does and doesn't cover

PIP pays 80% of medical expenses and 60% of lost wages, up to $10,000 total.
Your policy has a deductible that applies before PIP pays.
PIP is separate from collision coverage and from the other driver's property-damage liability.
What PIP does not cover beyond these limits is not detailed in this material — ask your insurer or a professional.

Comparative fault and the 2-year deadline

Florida uses a modified comparative-fault rule (§768.81) — the material does not give the fault percentage threshold, so confirm with a professional how it applies to your case. Separately, Florida's statute of limitations for a car-accident claim is now 2 years, under HB 837 (2023), amending §95.11. That clock generally starts on the date of the crash. Deadlines can have exceptions depending on facts this tool cannot verify — this is not legal advice.

What not to sign or say

Do not sign a release from the other driver's insurance company.
Do not give a recorded statement to the other driver's insurer before getting advice.
Personal-injury consultations in Florida are typically free and contingency-based, so there is usually no cost to check first if you have injuries beyond soreness.
Keep your police report, medical records, and notice to your own insurer — these matter for your claim.

What to do next

Car Accident Clock FL is a free tool, available in English and Spanish. Describe your crash and it computes your Florida deadlines — the 14-day PIP date and the 2-year limit — from your own crash date, explains what PIP does and doesn't pay based on your numbers, and can draft a claim letter to your own carrier opening the PIP and collision claims. It is not legal advice, cannot file claims or lawsuits, cannot assess fault or value your case, and is not affiliated with any insurer, clinic, law firm, or agency.

Use the free tool

Car Accident Clock FL is an informational tool based on Florida Statutes 627.736, 627.737, 95.11 and 768.81 (as amended by HB 837, 2023) as of 2025–26. It is not legal advice, does not file claims or lawsuits, and cannot assess fault or value. Deadlines have exceptions and run from facts this tool cannot verify. It is not affiliated with any insurer, clinic, law firm or agency.