Motor Vehicles That Are Not Required to Have PIP Coverage

These vehicles are deemed to not be “motor vehicles” and not required to maintain PIP coverage for the purposes of Florida Statute 627.733. Motorcycles – mainly due to the fact that they only have 2 wheels.  However you should note that a 3-wheeled vehicle has been deemed to be not excluded from the definition of … Read more

Who is Required to Have PIP?

Most motor vehicles in Florida are required to maintain some sort of PIP coverage.  The fact is it is one of the only required coverage’s for automobile insurance under Florida Law.  The other type of coverage is your property damage coverage. Florida Statute 627.733(1) states that: “every owner or registrant of a motor vehicle, other … Read more

Why Do We Have PIP Coverage in the State of Florida?

Early in the 1970’s Florida’s automobile insurance industry started complaining that victims of automobile accidents could sue the tortfeasor or at-fault party for their injuries, pain an suffering with absolutely no threshold to recovery.  They continued to complain that a relatively small car accident would gain some settlement value because the insurer would have to … Read more