Switch to ADA Accessible Theme Close Menu

Always Open, We're Here For You.

We, too, are looking forward to when we’ll be reconnecting, thriving, and helping each other again. And in the meantime, we remain open and a constant source of help for your family in times of need. Call us anytime for an always free consultation, and click here to learn from our attorneys FAQ videos.

Florida Personal Injury Lawyers
Call, Text, or Chat: 1-888-LPENDAS
Free Initial Consultation
protected by reCAPTCHA Privacy - Terms

Will Florida Reform Its Personal Injury Protection (No-Fault Insurance) System?


Florida is currently one of ten states with personal injury protection, also known as no-fault auto insurance. But state legislators are trying to change Florida’s auto insurance system. Two competing bills have recently been voted out of their respective committees and will be debated by the full legislative chambers.

The state Senate Banking and Insurance Committee recently voted to replace the PIP system with a requirement that motorists carry bodily injury protection. It includes a provision creating a medical payment (called MedPay) coverage mandate of $5,000. The House version also calls for bodily injury protection coverage, but it doesn’t include the MedPay provision.

Whether the House and Senate agree on a PIP replacement remains to be seen.

What Is PIP Insurance?

Under current Florida law, every vehicle owner and driver must have $10,000 in PIP insurance coverage. Your insurance company will pay you PIP benefits if you are in an accident, regardless of who is at fault (that’s why it’s called no-fault insurance). Specifically, your insurance company will pay 80 percent of your medical expenses and 60 percent of your lost wages, up to $10,000.

Unfortunately, $10,000 isn’t always enough to cover your medical expenses or make up for lost wages. In that case, you might need to bring a personal injury lawsuit to recover damages.

Why Do Florida Lawmakers Want to Change the System?

According to the Florida Office of Insurance Regulation, no-fault insurance was intended to provide injured drivers with $10,000 in immediate medical coverage instead of forcing them to immediately seek damages in court (that of course didn’t eliminate the need for personal injury lawsuits in many cases).

While the goal was to reduce payment delay and personal injury lawsuits, the system created other problems. The Office of Insurance Regulation notes that Florida has seen an increase in PIP claims and payments. The concern is that many of these claims are fraudulent, which is one reason lawmakers want to change the system. But this isn’t the first time that lawmakers have initiated reform, so it’s unclear whether these latest efforts will succeed.

What Do These Proposals Mean for Me?

Right now, nothing. The only thing to do is wait and see whether the legislature enacts a law reforming the system. In that case, our attorneys will be ready to advise you on your best insurance options.

In the meantime, PIP insurance coverage can help families and individuals who are injured in car accidents and might not otherwise be able to afford their medical bills. An experienced personal injury protection attorney can help you understand your options.

Contact Us Today

If you have questions about your personal injury protection insurance or are interested in obtaining coverage, contact a Fort Myers personal injury attorney at The Pendas Law Firm today for a free consultation. We will keep abreast of all of the latest developments in Florida law related to PIP insurance.

The Pendas Law Firm also represents clients in the Miami, Fort Lauderdale, Tampa, Jacksonville, Orlando, West Palm Beach, Dayton and Bradenton areas.






Read What Others Have To Say About Us

  • “I'm very happy with this firm... Joel is an excellent attorney and Carolyn is an amazing paralegal, After been ditched from another law firm, Pendas took care of me and they won my case. I recommend them 100%...” - Jacksonville -

    Maria Pastor
  • “This law firm is amazing. I love how they always try to stay/keep in contact with you. It shows that they really care and want everything taken care of correctly, Thank You!...” - Orlando -

    Shantelle Blackwell
  • “I'm very thankful for all the attention of all the Pendas staff that took care of my case and helped me through the process, thanks for your patience, collaboration and comprehension!...” - Tampa -

    Carlos Guadalupe
  • “The Pendas Law Firm was amazing! They are very kind, professional, and hard-working! They always kept me informed. Larry Trias was great to work with! I always recommend Pendas to family and friends. Thank you for helping me with my case!” - Fort Myers -

    Heather Pepper
  • “Their attorneys are absolutely someone you want handling your car accident claim. They communicated with us promptly and thoroughly. I was very happy with our recovery. Their staff speaks Spanish and you feel like family.” - Orlando -

    Ian Brito
  • “I would definitely recommend this firm. The staff really helps you and they actually show you that they care, especially Siomara Roldan. She has been a great help for my family and myself, she is always helpful with any questions.” - Tampa -

    Wilmer D Santana Rodriguez
  • “5 stars for these guys! Hays Mathis got my case settled without going to court for a sum that dwarfed what the other guys were advising me to take. I highly recommend Hays not only because he does the work to get it done but he cares about the client and outcome as well!” - Jacksonville -

    Mike Reilly
  • “Pendas is the best! The paralegals are very attentive to your case, knowledgeable, and communicative! The attorney also won’t just be there the day of your sign up, but all throughout the process as needed. I truly recommend Pendas!” - Orlando -

    McKenzie Czabaj