Florida PIP Coverage Calculator

Florida requires a minimum of $10,000 in Personal Injury Protection (PIP), which pays 80% of reasonable medical expenses and 60% of lost wages, combined, up to that $10,000 limit — regardless of who caused the crash. Whether you can access the full $10,000 or only $2,500 of it depends on whether a qualifying provider determines you have an "emergency medical condition."

You must receive initial medical care within 14 days of the accident to be eligible for any PIP benefits at all. Miss that window and your insurer can deny PIP entirely, even for a serious injury. The clock runs continuously from the date of the crash, with no exception for delayed-onset symptoms.

PIP only pays up to your cap — $10,000 or $2,500 depending on the emergency-medical-condition determination. Anything beyond that isn't automatically covered. Health insurance or MedPay may pick up some of the gap, and if your injury meets Florida's serious-injury threshold, you can pursue the remainder — along with pain and suffering, which PIP never pays — directly from the at-fault driver's insurance.

No — that determination has to be made by a qualifying medical provider (an MD, DO, dentist, physician assistant, or advanced practice registered nurse in defined circumstances) under FL § 627.732. This calculator shows you what's at stake — up to $7,500 in additional coverage — so you know to ask your provider directly rather than assume.