Available 24/7 | En Español

Florida PIP Lawyer

Florida requires Personal Injury Protection insurance coverage, or PIP, for all drivers. This insurance can help cover medical expenses and lost wages in the event of a car accident, but insurance companies often unfairly deny claims.  If you have been injured in an accident and are struggling to get the compensation you deserve, it may be time to seek the help of a Florida PIP lawyer at Farah & Farah.

Play Video about Dahlia Farah sitting at a desk taking notes while speaking to a personal injury client

PIP insurance can be a lifesaver for Florida drivers after a car accident. However, insurance companies often make it difficult for individuals to receive the full benefits they are entitled to. In addition, PIP only covers limited damages from an accident. Thus, injured parties may be left struggling to cover medical expenses, lost wages, and other losses, which creates additional stress during an already challenging time.

That’s where our Florida PIP lawyers come in. When you turn to the Farah & Farah team with your PIP insurance claim, we will help you understand your rights, determine your legal options for compensation, and advocate for your best interests against insurance companies.

Farah & Farah Will Fight For You

PIP claims sound simple enough—you pay for the insurance, which should cover your expenses after an accident. Unfortunately, the losses it covers are limited, and getting fair compensation for your injuries is often easier said than done without quality legal representation.

At Farah & Farah, our lawyers have helped countless people like you recover the compensation they need to move forward after an accident. Our experienced PIP lawyers are well-versed in Florida insurance laws and will fight tirelessly to help you receive the full benefits of your policy.

We’ve been protecting you and your family since 1979. Since then, our team has recovered over $2 billion in verdicts and settlements for our deserving clients. These results are no accident—we take a client-centric, team approach to every case and are not afraid to take on big insurance companies that prioritize profits over people.

What Is Personal Injury Protection?

Personal Injury Protection, or PIP, is insurance coverage designed to protect individuals injured in an accident, regardless of who is at fault.

Florida law requires all drivers to carry at least $10,000 in PIP insurance coverage. This limit is the maximum amount the insurance company will pay per covered person for covered expenses. Many drivers opt for a higher limit than the minimum requirement, which can provide additional protection in case of a serious injury. Drivers involved in an accident must exhaust their PIP benefits before turning to other coverage, such as health insurance, or pursuing a claim against an at-fault party. If your losses exceed the policy’s limit, you may be able to file a claim against the other driver’s insurance for additional compensation.

Unlike liability insurance, which only covers damages for the other party in an accident, PIP insurance covers the policyholder and their passengers. It may also cover any policyholder’s relatives living with them, anyone driving their car with permission, and any pedestrians injured in the accident if they do not have their own policy. Pedestrians with PIP coverage can also use it to cover their injuries if a car hits them.

While PIP is a no-fault insurance, there are some circumstances where an otherwise covered injured person may be ineligible for benefits. These include cases where the person intentionally injures themself or suffers an injury while committing a felony.

What Does PIP Cover?

Florida Statute § 627.736 details the expenses PIP insurance covers. Under the law, PIP covers 80 percent of all “necessary and reasonable” medical expenses resulting from a covered injury. These may include medical, surgical, X-ray, dental, and rehabilitative services.

PIP also covers 60 percent of disability benefits. These include any loss of gross income and earning capacity resulting from the accident’s impact on the injured person’s ability to work. Also included under this category are services the injured person previously performed without pay for their household’s benefit and is no longer able to due to their injury.

If an accident results in a death, PIP covers $5,000 for each covered deceased person. This separate limit does not count toward the standard $10,000 limit. PIP death benefits cover expenses resulting from the death, such as funeral and burial costs.

Types of PIP Cases We Handle

Our law firm has experience handling a variety of PIP cases, including those involving:

Our firm handles a wide range of motor vehicle accidents, including distracted driving, hit-and-run, and Uber and Lyft accidents. Whether you’re the driver or passenger in a vehicle or were struck by one as a pedestrian, our Florida PIP lawyers can help.

What Types of Damages Can Farah & Farah Help Me Recover?

At Farah & Farah, we aim to recover the full amount you’re entitled to for your PIP claim. Some of the losses—also known as damages—we may be able to help you recover include:

  • Medical expenses: We will work to recover compensation for all necessary and reasonable medical expenses related to your accident up to your policy limits. These may include emergency room visits, hospital stays, doctor appointments, surgeries, physical therapy, and more.
  • Lost wages: If your injury prevents you from working, we may be able to help you recover a portion of the income you lose as a result. This can include lost wages while out of work due to medical treatment or rehabilitation and future lost earnings if your injuries permanently limit your earning capacity.
  • Domestic services: If your injuries prevent you from completing household tasks such as cooking, cleaning, childcare, and yard work, we may be able to help you recover compensation for these services.
  • Death benefits: If a loved one dies from an accident covered by PIP, our lawyers can help your family claim death benefits to cover funeral and burial expenses.

The exact types and amount of damages you may be entitled to depends on the specific details of your case, including the extent of your injuries and how they’ve impacted your life.

If you’ve suffered other losses, including economic losses exceeding your PIP coverage and non-economic damages like pain and suffering or emotional distress, you may be eligible to pursue a claim against an at-fault party.

Our lawyers can determine the full extent of your damages, who is responsible, and what insurance coverage applies to your accident. We will then work diligently to secure the maximum amount possible on your behalf.

What Is the Statute of Limitations for PIP?

All claims in Florida, including PIP claims, are subject to a statute of limitations setting a deadline for filing a lawsuit. PIP lawsuits are considered contract claims because they involve a dispute with your insurer over an insurance policy. Florida’s statute of limitations for a PIP claim is typically five years, which begins to run on the date the claim is past due.

However, if you wish to pursue a claim against an at-fault party, the statute of limitations for personal injury claims in Florida is two years from the accident date.

An additional deadline also applies for PIP claims. In Florida, you must seek medical treatment within 14 days of the accident to be eligible for PIP coverage. If you wait longer than 14 days to seek care from a medical professional, your insurance company may deny your claim even if you meet the two-year statute of limitations.

Therefore, it’s best to seek medical attention immediately after any motor vehicle accident, regardless of whether you believe you’re injured. Some injuries may not be immediately apparent, and seeking medical care within the 14-day window could protect your right to PIP benefits if you have any hidden injuries.

How Can a Florida PIP Lawyer Help You?

A Florida PIP lawyer can be a valuable resource if you’ve been injured in a motor vehicle accident and seek benefits through your PIP coverage. We can help you file a claim with your insurance company and present evidence linking your damages to the accident.

We can also negotiate with your insurance company on your behalf, sparing you the frustration of dealing with them directly. We know their tactics and how they may try to devalue or deny your claim, and we won’t let them get away with it. And if your insurance company refuses to pay out on a valid PIP claim, we can file a lawsuit and fight for the compensation you deserve.

Your damages will likely exceed your PIP insurance limits. If this is the case, our Florida PIP lawyers can also help you explore other avenues for compensation, such as filing a personal injury lawsuit against the at-fault party.

Contact Our PIP Law Firm for a Free Case Review

Don’t let your insurance company take advantage of you after a motor vehicle accident. Contact our PIP lawyers today for a free consultation and to learn more about how we can help you get the compensation you deserve.

We work on a contingency fee basis, so you won’t owe us anything unless we win your case. Don’t wait—call us now at (877) 245-6707 and let our Farah & Farah fight for your rights.


You & Your Family Since 1979

Attorney Eddie and Chuck Farah head shots with a CTA icon