Understanding PIP


Confused about your Personal Injury Protection Policy?

Death Benefits – pays out if an insured person dies due to bodily injury covered under their pip.

Disability Benefits – pays for an insured person who:

  • Is disabled because of bodily injury caused by a motor vehicle accident;
  • Cannot work or perform household services; 60% of lost wages and replacement services.
  • If you signed an election to exclude the lost wages portion of disability benefits, your insurance will not pay lost wages or any dependent as shown on the declarations page under the limits of liability.

Household – means the place where you reside and which is located at the address shown in the declarations. When location at the address shown in the declarations, your “household” includes a house, apartment, condominium, mobile home, house trailer, manufactured home, group of rooms, or a self-contained single room.

Insured Auto – means the motor vehicle shown in the declarations page.

Insured Person – means the named insured or a relative who sustains bodily injury from one of the follow:

  1. Driving a motor vehicle
  2. Is struck by a motor vehicle as a pedestrian
  3. If someone else is operating your motor vehicle
  4. If a pedestrian is struck by your insured auto

Lost Wages – means loss of gross income and loss of earning capacity from the inability to work that was caused by the auto accident and sustained to the driver of the car. It does not include any loss after an insured person’s death. Gross income for the employed person are determined according to the Florida Statutes under “average weekly wage”. This takes effect at the time the loss of wages is incurred.

Medical Benefits – means 80% of all reasonable expenses allowed by the No-Fault Law. Expenses are subject to the medicare fee schedules for medically necessary services. Medically necessary services include:

  1. Medical, surgical, imaging, dental, and rehabilitative services
  2. Prosthetic devices
  3. Ambulance, hospital, and nursing services

Medical Necessary – refers to medical services that a prudent doctor would provide when: preventing, diagnosing, or treating a condition or symptom. The treatments should be according to guidelines that are accepted by the medical society. Treatments must be clinically appropriate in terms of frequency, type, location, and duration. Treatments should not be for the convenience of the patient, doctor, or other health care provider.

Motor Vehicle – means a self-propelled vehicle with four or more wheels that is also required to be licensed by the state of Florida. Trailers or semi-trailers are also considered.

  • Motor Vehicle does not include: a mobile home, or vehicles used in mass transit designed to move more than five passengers which is owned by a Municipality, Transit Authority, or Political Subdivision of the State.

Named Insured – is the person identified on the policy as the policyholder as shown on the declarations page. The spouse if residing at the same residence as the policyholder is also included as the named insured.

No-Fault Law – states that no matter who is at fault of the accident each respective insurance covers their own medical expenses.

Pedestrian – refers to a person who is not occupying a self-propelled vehicle.

PIP – Person Injury Protection

Replacement Services – means all expenses reasonably incurred in obtaining necessary services for the bodily injuries sustained.

Tampa Auto Accident patients are welcome to our clinic. Our PIP treatments consist of Chiropractic Services, Acupuncture, PhysioTherapy, and Massage Therapy. All questions or concerns are welcome. 813-983-7921.