Will PIP be enough to recover my expenses after my accident?
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PIP will probably not be enough for medical expenses. PIP only covers $10,000, as required by the State of Florida. In an ideal scenario, bodily injury coverage would be at least $25,000 coverage. If PIP only covers 80% of expenses, consider MedPay coverage to make up the difference. You can talk to the adjuster to see if MedPay is right for you. Tallahassee decided that if you do not seek treatment in 14 days, it’s going to be limited. This is not money you’ll see benefit directly, and it may not cover for your loss. Just because you are entitled to $10,000 in PIP doesn’t mean you’ll see that money, as it typically goes to the doctors. You should call the insurance company and reserve $5,000 for lost wages.