Why PIP Insurance Coverage Often Isn’t Enough After an Accident

Florida No-Fault Insurance Helps, But It Has Real Limits

Florida operates under a no-fault system, which means your personal injury protection coverage is usually the first source of payment for medical treatment and certain wage losses after a car accident, regardless of who caused the crash. This can be helpful because it allows people to get initial treatment without waiting for a fault determination. The problem is that PIP benefits are limited and many accident victims quickly discover that those limits do not match the real cost of recovery, particularly when imaging, specialist care, and ongoing therapy are required.

Serious Injuries Can Outgrow PIP Benefits Quickly

A single emergency room visit, ambulance transport, CT scans or MRIs, follow-up appointments, prescriptions, and physical therapy can drain PIP coverage faster than most people expect. When PIP runs out, victims may face deductibles, co-pays, and uncovered treatment costs. PIP also does not pay for many of the damages that matter most after a serious crash, such as pain and suffering, emotional distress, reduced quality of life, and long-term impairment.

When Additional Compensation May Be Available

In more serious accidents, Florida law may allow an injured person to pursue a claim against the at-fault driver once certain injury thresholds are met. That can open the door to compensation beyond PIP, including damages tied to lasting physical limitations and the overall impact the injury has on daily life. Understanding the difference between what PIP covers and what it does not is crucial when an injury is more than a short-term inconvenience. For many people, identifying all available insurance coverage and building the right claim is the only realistic way to avoid long-term financial stress after an accident.

Call Stockwell Law today for a free consultation and get the dedicated representation you need to move forward.