Singh Insurance and Financial Services | Central Florida’s Trusted Insurance Experts
When it comes to auto insurance coverage in Florida, Personal Injury Protection, or PIP, is one of the most misunderstood coverages. At Singh Insurance and Financial Services, we’re here to help you separate myth from fact so you can protect yourself and your loved ones on the road.
Let’s bust some common PIP myths:
Myth #1: I Don’t Need PIP if I Have Health Insurance
Fact: Even if you have health insurance, Florida law requires drivers to carry PIP coverage. Why? Because PIP pays for immediate medical expenses after an accident—regardless of who was at fault—and may cover costs your health insurance won’t, like lost wages and transportation to medical appointments.
Myth #2: PIP Covers Everything After a Crash
Fact: PIP coverage in Florida only pays up to $10,000 in medical and disability benefits, after your deductible. Anything beyond that must be covered by your health insurance, MedPay (if you’ve added it), or out-of-pocket unless you pursue legal action against the at-fault driver.
Myth #3: PIP Pays for Vehicle Repairs
Fact: PIP is strictly for medical-related expenses, lost income, and certain associated costs. It does not cover damage to your vehicle. That’s what collision coverage or the other driver’s property damage liability coverage is for.
Myth #4: I Can Choose Any Doctor After an Accident
Fact: To receive the full $10,000 in PIP benefits, you must get initial medical care within 14 days of the accident. Not all providers qualify. PIP only applies to treatment from approved providers like hospitals, EMTs, chiropractors, or certain licensed physicians.
Myth #5: PIP Isn’t Worth It—It’s Just Another Fee
Fact: In a no-fault state like Florida, PIP is your first line of financial defense after an accident. It allows you to access care quickly, avoid legal battles for minor injuries, and recover with fewer delays—without waiting to prove who was at fault.
What Should You Do Next?
Understanding your PIP coverage is key to driving with confidence in Florida. Our team at Singh Insurance and Financial Services can help you:
- Review your current policy
- Compare deductibles and PIP options
- Explore add-ons like Medical Payments (MedPay) or increased coverage limits
Have questions about your PIP coverage? Let’s talk.
Visit singhinsurancegroup.com or call us today for a free policy review or instant auto insurance quote. You deserve to be protected—and informed—every time you hit the road.
Tip: Always keep your insurance ID card and emergency medical information in your GloveBox App. Quick access matters in a crisis.