What is PIP? Can I purchase PIP for my motorcycle?

By: Tom DeLattre

Image Source: Flickr
Image Source: Flickr

You may be wondering what does PIP stands for? It stands for Personal Injury Protection and every driver of a motor vehicle in Florida is required to have Personal Injury Protection on their automobile insurance policy.

Florida is a “no fault” state, which means, regardless of fault for a motor vehicle accident, everyone goes through their own insurance carrier for payment of medical bills and lost wages up to the PIP limit, which is typically $10,000.00.

I have always advised my clients to get medical care as soon as possible following a collision if they are feeling any pain or discomfort.  Seeking medical care is now required within 14 days of a collision to protect your full PIP benefits.  The first visit should be at an emergency room or a walk in clinic.

In Florida, you cannot purchase PIP for a motorcycle.  However you can purchase what is called “medical payment” coverage for a motorcycle, which covers your medical expenses if you are injured while on your motorcycle.

Remember, in Florida, you must be 21 years of age and have $10,000.00 worth of medical coverage insurance to be able to lawfully operate a motorcycle without a helmet. The $10,000.00 requirement can be in the form of medical payment coverage or health insurance benefits that does not exclude motorcycles from coverage.

In addition to medical payment coverage for motorcycles, you can purchase other important types of coverage to include bodily injury/property damage coverage and uninsured motorist coverage.  Bodily injury/property damage coverage protects you if you are at fault while operating your motorcycle and cause bodily injury or property damage.

Uninsured motorist coverage provides insurance for you in the event you are injured and are not at fault for the accident.  Since a large percentage of operators of motor vehicles in the State of Florida are uninsured or underinsured, it is critical to carry uninsured/underinsured motorist coverage on your motorcycle.

If you own one or more motor vehicles, be sure to purchase STACKING uninsured/underinsured motorist coverage on you motor vehicles.  This coverage may not only protect you while operating your motor vehicles, but could cover you in the event you are injured on your motorcycle.  Remember though, it is highly recommended that you have full coverage for your motorcycle.

If you have any questions or need assistance regarding PIP, please do not hesitate to reach out to your Orlando Personal Injury Lawyers at Wieland, Hilado & DeLattre.


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