PIP AND PD BASICS FOR FLORIDA MOTORISTS

Understanding PIP and PD Insurance in Miami: What Florida Drivers Need to Know

In Miami and across Florida, The Perazzo Law Firm wants drivers to understand how Personal Injury Protection (PIP) and Property Damage (PD) insurance work, especially after an accident.

The Miami Car Accident lawyer, Jonathan Perazzo, reminds motor vehicle owners that Florida law requires all registered vehicle owners to carry both PIP and PD coverage. But while it’s mandatory, PIP can be confusing, especially when you’re dealing with injuries, property damage, and a potential insurance claim or lawsuit.

What Is PIP and Who Does It Cover?

PIP is designed to cover medical expenses, lost wages, and other related costs after a crash, regardless of who caused the accident. Here’s who PIP typically covers:

The vehicle owner
Family members living in the same household
Passengers in the vehicle (if they don’t have their own coverage)

Florida made PIP mandatory because most accidents result in under $10,000 in damages or injuries. The goal? Ensure medical bills get paid quickly, without delay, and without hurting your credit.

How Medical Treatment Works After an Accident

If you’re hurt in a crash, you’ll need to notify your insurance carrier immediately to begin your PIP claim. Here’s how it usually works:

You visit a medical provider.
You sign an Assignment of Benefits (AOB) form, giving your doctor the right to bill your insurance directly.
PIP then pays up to $2,500 for non-emergency injuries, and up to $10,000 for Emergency Medical Conditions (EMCs).

And remember: you don’t need traditional health insurance to seek treatment through PIP.

PIP Isn’t Enough. Here’s Why You Need Extra Coverage.

While PIP helps cover basic medical costs, it may not be enough for serious injuries or long-term care such as extended rehabilitation. That’s why The Perazzo Law Firm strongly recommends adding:

Uninsured Motorist Coverage (UM)
Underinsured Motorist Coverage (UIM)

These optional policies offer an extra layer of protection — especially if you’re injured by someone who has little or no insurance.

Injured in an Accident? We Can Help.

Whether you were involved in a car, truck, or rideshare accident, our legal team is ready to walk you through your rights under PIP and PD coverage.

If you, a family member, or friend has suffered injuries or property damage in Miami or any Florida city, contact The Perazzo Law Firm today.

✅ Free Initial Consultation
✅ No Out-of-Pocket Costs
✅ Experienced Insurance Claims & Personal Injury Lawyers

Find out more about your coverage rights by visiting The Perazzo Law Firm’s website.

The Perazzo Law Firm – Dedicated to Putting Your Interests First, Always.

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