In 1972, Florida passed a law requiring all persons who have insurance to purchase Personal Injury Protection Coverage (PIP coverage). This ensures that people injured in an auto accident will have at least $10,000 in insurance coverage, whether or not they have health insurance. PIP is classified as finite insurance. In other words, it ends after the $10,000 benefit is paid. Additionally, PIP is primary over all other types of insurance, including private health insurance, Medicaid, Medicare, Social Security or Worker’s Compensation. What this means is that PIP must be used before any other type of health care benefit provider is obligated to pay a bill.
There are a limited number of facilities that accept PIP for the treatment of auto accident victims. This is because most primary care doctors are not set up to bill PIP. Therefore, it is crucial to find a provider that accepts PIP and, most importantly, can provide top-quality medical care.