Florida PIP Benefits Calculator

Reviewed by Mike Redondo, Founding Attorney, Redondo Law, P.A. • Updated November 2026

Florida drivers carry personal injury protection, or PIP. After a car crash, your own PIP pays part of your medical bills and lost income, no matter who caused the crash. But it does not pay everything, and the rules can cut your benefits fast.

Use the calculator below to estimate what PIP should pay and what it leaves unpaid. Then read how the rules work. Redondo Law helps injured people across Florida get the rest of what they are owed.

How Florida PIP works

PIP is part of Florida’s no-fault system. Every car registered in Florida must carry at least $10,000 in PIP and $10,000 in property damage liability. After a crash, you claim PIP from your own insurer first, even if the other driver caused the crash.

• Medical bills: PIP pays 80% of reasonable, medically necessary care. Most insurers base that 80% on a fee schedule tied to Medicare rates, not on the full bill, so the real payment is often lower.
• Lost income: PIP pays 60% of lost gross income and lost earning capacity. It also pays for some replacement services, such as help with chores you cannot do.
• Death benefit: PIP pays $5,000 per person, in addition to the medical and wage benefits.
• Limit: Medical and lost income benefits share one $10,000 limit.

The 14-day rule

PIP medical benefits are paid only if you get your first care within 14 days of the crash. Go to the ER, urgent care or a doctor right away, even if you feel fine. Some injuries do not hurt until days later. Missing this deadline can mean PIP pays nothing toward your medical bills.

The $2,500 cap and emergency medical conditions

PIP pays up to $10,000 in medical benefits only if a doctor, dentist, physician assistant or advanced practice registered nurse finds you had an emergency medical condition (EMC). If any treating provider, including a chiropractor, finds you did not have an EMC, medical benefits are limited to $2,500.

Florida law defines an EMC as a condition with sudden, serious symptoms, which can include severe pain, where lack of quick care could put your health at serious risk or seriously harm a body function or organ. Tell your provider about every symptom so it goes in your records.

PIP deductibles

Insurers must offer PIP deductibles of $250, $500 and $1,000. The deductible comes off 100% of your expenses first. Then PIP pays its 80% or 60% on what is left.

Example: you have $4,000 in medical bills, a $500 deductible and an EMC. The deductible leaves $3,500. PIP pays 80% of that, or $2,800. You are left with $1,200 unpaid.

Who PIP covers

Your PIP covers you and relatives who live with you and do not own a car of their own, while riding in any car. It also covers you if a car hits you while you are walking or riding a bike. Your PIP also covers other people riding in your car, and Florida residents your car hits while they are on foot or on a bike, if they have no PIP of their own.

Who PIP does not cover

• Motorcycle riders. PIP applies to vehicles with four or more wheels. A rider hit while on a motorcycle does not get PIP. See our motorcycle accident page.
• You, in your own uninsured car. An insurer may refuse PIP if you were hurt in another car you own that is not on the policy.
• Someone driving your car without permission.
• Someone hurt while committing a felony or who hurt themselves on purpose.

If you were walking or biking, your own PIP or a relative’s may pay first. If you have none, the PIP on the car that hit you may pay. Learn more on our pedestrian accident page.

What PIP does not pay, and where the rest comes from

PIP pays nothing for pain and suffering. It leaves 20% of medical bills and 40% of lost income unpaid, and it stops at $10,000. To recover more, you claim against the at-fault driver. For pain and suffering, Florida law requires a permanent injury, significant and permanent scarring or disfigurement, a significant and permanent loss of an important bodily function, or death.

Florida does not require drivers to carry bodily injury coverage, so the driver who hit you may have none. That is where your own uninsured motorist coverage comes in. Our Florida auto insurance guide explains each coverage. If you were in an Uber or Lyft, higher limits may apply. See our rideshare accident page.

What to do to protect your PIP benefits

Insurers must pay PIP within 30 days after they get written notice of the claim and the amount. Late payments earn interest. If your insurer delays or denies, read about what to do when a PIP claim is denied.

Talk to Redondo Law

Redondo Law takes car accident cases statewide. Before founding Redondo Law in 2019, Mike Redondo spent six years at Holland & Knight defending major corporations in catastrophic injury and wrongful death cases. Mike and his team give every case personal attention, and our team keeps you updated. We meet by phone or video, and if your injuries keep you from traveling, we come to you.

Frequently asked questions

Is PIP still required in Florida in 2026?

Yes. Florida still requires $10,000 in PIP and $10,000 in property damage liability on every registered car. Bills to repeal no-fault were filed in 2025 and 2026, but none became law.

Does PIP pay 100% of my medical bills?

No. PIP pays 80% of reasonable medical bills after your deductible, up to $10,000. If no emergency medical condition is found, medical payments stop at $2,500.

How much of my lost wages does PIP pay?

PIP pays 60% of lost gross income. That comes out of the same $10,000 limit as your medical benefits.

What if I did not see a doctor within 14 days?

PIP medical benefits require first care within 14 days of the crash. You can still claim against the at-fault driver. Call us to review your options.

Can I sue the other driver for what PIP does not pay?

Yes. You can claim unpaid bills and lost income from the at-fault driver. For pain and suffering, you need a qualifying injury such as a permanent injury. Most crash injury claims must be filed within 2 years.

Does PIP cover me on a motorcycle?

No. Motorcycles are not part of Florida’s PIP system. Riders rely on the at-fault driver’s coverage and their own coverage, such as uninsured motorist and medical payments coverage.

Hurt in a car crash anywhere in Florida? Call Redondo Law at (305) 908-6778, 24 hours a day, 7 days a week. The consultation is free, our team speaks English and Spanish, and there is no fee unless we win.