Understanding Florida PIP Coverage After a Car Accident in 2026

As of 2026, Florida remains a no-fault state. Drivers must carry at least $10,000 in Personal Injury Protection (PIP) coverage. PIP pays a portion of your medical expenses and lost wages regardless of who caused the crash, provided you seek initial medical treatment within 14 days.

How PIP Benefits Work

PIP typically covers 80% of reasonable medical expenses and 60% of lost wages, up to the $10,000 limit (or higher if you purchased additional coverage). It is your first source of recovery for medical bills after a car accident.

The Critical 14-Day Rule

To qualify for PIP medical benefits, you must generally receive initial medical services within 14 days of the accident. Missing this deadline can forfeit PIP benefits.

PIP Does Not Cover Everything

PIP does not pay for pain and suffering. To pursue non-economic damages against the at-fault driver, your injuries must generally meet Florida’s serious-injury threshold.

FAQ

Is PIP still required in Florida in 2026?
Yes. Repeal efforts have not become law. The $10,000 PIP requirement remains in effect.

What happens if I miss the 14-day treatment deadline?
You may lose eligibility for PIP medical benefits.

Does PIP cover pain and suffering?
No. Pain and suffering are recovered from the at-fault driver’s liability coverage or your UM coverage when the threshold is met.