Why You should Consider Extended PIP Insurance




Florida law1 requires that every driver have a minimal amount of insurance called Personal Injury Protection, or PIP insurance. Specifically you must carry $10,000 of PIP coverage, which is meant to cover your medical expenses and other losses stemming from injuries sustained in a car accident. This coverage is known as “no-fault,” as it will cover your medical bills and losses whether you caused the accident or another person caused the accident. This no-fault system is intended to reduce the number of personal injury lawsuits that stem from car accidents in the Florida courts.

While $10,000 is the minimum PIP insurance requirement, you do have the opportunity to purchase additional PIP coverage, which is referred to as extended PIP. While many people decline this extended coverage, it may be a mistake to do so.

PIP insurance will cover the following losses in the event of a car accident injury:

  • 80 percent of reasonable medical treatment and services
  • Lost income from work missed work
  • Transportation costs
  • Costs of assistance needed


For many injuries, medical bills alone can easily exceed $10,000, needless to say other losses. You will not necessarily have the right to seek compensation through other means unless you meet specific requirements, so you may find yourself in a difficult financial position if you choose to only have the minimum PIP coverage. Far too many clients come to our office seeking help because they learn they have inadequate coverage after an accident occurs.

Purchasing any type of insurance can be confusing because the policies are not written in Simple language. Policies contain complex legal terms that can be overly-wordy and difficult to decipher. Most people do not fully understand the fine print of their policies when they purchase them. This can lead to a surprise when you make a claim that your policy will not cover all of your losses. While you may not believe that an accident and serious injuries will happen to you, crashes can happen to anyone and you do not want to be left without necessary compensation in the event of a bad accident.

If you were in an accident and are being told your coverage is limited when you did not know that, you should call an experienced attorney as soon as possible. An attorney can determine whether your policy was ambiguous or whether the information provided to you by the insurance company was accurate and adequate for you to make a decision regarding coverage. If not, you may be able to fight for additional coverage.

Consult with an Experienced PIP Insurance Attorney for Help Today

At the Dolman Law Group, we help injured car accident victims through all stages of their case. Whether you need help making a PIP claim or negotiating with your insurer or you need representation in a personal injury lawsuit, we are here to help. Please call our office in Clearwater at 727-451-6900 today.

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