What is Personal Injury Protection

What is Personal Injury Protection

  • The Fee Is Free Unless You Win®.
  • America's Largest Injury Law Firm™
  • Protecting Families Since 1988
  • 20 Billion+ Won
  • 1,000+ Lawyers Nationwide

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The attorneys featured above are licensed in Florida. For a full list of attorneys in your state please visit our attorney page.

What is Personal Injury Protection

Personal injury protection (PIP), also known as no-fault insurance, helps cover expenses like medical bills, lost wages, or funeral costs after a car accident, no matter who is at fault. Some states, like Florida, legally require all drivers to carry PIP insurance. Others leave it up to drivers to decide if they want to carry the added protection. If you decide to include personal injury protection, it’s usually a rider attached to your auto insurance policy.

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Get answers to commonly asked questions about our legal services and learn how we may assist you with your case.

Morgan & Morgan

  • What PIP Typically Covers

    Personal injury protection can kick in whether you’re the driver or a passenger. Pedestrians and bike riders can also be covered for their injuries under personal injury protection. While the insurance does cap payout limits, and this can vary depending on state laws, all PIP covers the following.

    Medical Expenses

    On top of covering medical bills for you and your passengers after a car accident, PIP coverage may even help cover your health insurance deductible.

    Work Loss

    If you’re injured in an accident and have lost wages because you’re out of work, your PIP coverage can help. This benefit can also apply if you’re self-employed and need to hire temporary workers to perform tasks.

    Funeral Expenses

    Your PIP coverage can help pay for funeral, burial, or cremation expenses after a car accident.

    Survivors’ Loss

    If you pass away in an auto accident, your PIP insurance can help replace your lost income for your surviving dependents.

    Essential Services

    Your PIP insurance can also help pay for services that you’d normally perform if you weren’t injured, like childcare and housecleaning.

    While PIP covers most economic damages, it does not provide compensation for non-economic damages. These can include property damage. For example, PIP doesn’t cover vehicle repairs or replacements. If another driver sustains injuries in the accident, your PIP plan doesn’t cover their expenses. Even if you’re the at-fault driver, your personal injury protection policy only covers your damages.

    PIP may also not cover your damages if the accident occurs while you’re committing a crime. An example is if you’re injured in a car accident while fleeing from the police. If you’re a rideshare driver, PIP may also not kick in. In this instance, the ride share’s insurance is typically responsible for covering your damages.

    Understanding when PIP coverage applies and doesn’t can be complex. Even if PIP does cover your damages, the insurance rarely covers everything. If you’re left with outstanding medical expenses after PIP pays out, you may be eligible to receive additional compensation. This is when it’s generally advisable to contact an experienced personal injury law firm like Morgan & Morgan.

  • Why Choose Morgan & Morgan as Your Personal Injury Attorney

    Morgan & Morgan is the nation’s largest law firm, and we have a proven track record of success. We have recovered over $20 billion in damages for our clients and can help you receive full and fair compensation. If you still have expenses after filing a PIP claim, we may be able to help. Contact Morgan & Morgan today to schedule a free consultation with one of our specialists.

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How it works

It's easy to get started.
The Fee Is Free Unless You Win®.

Results may vary depending on your particular facts and legal circumstances.

  • Step 1

    your claim

    With a free case evaluation, submitting your case is easy with Morgan & Morgan.

  • Step 2

    We take

    Our dedicated team gets to work investigating your claim.

  • Step 3

    We fight
    for you

    If we take on the case, our team fights to get you the results you deserve.



Customer Story

“I was in a difficult situation when I was injured by a faulty product. I was hesitant to seek legal help but with the help of Morgan & Morgan, they made the process easy. They took immediate action and got me the compensation I deserved. I couldn't have done it without them. I highly recommend their services.” Estate of Patricia Allen v. RJ Reynolds, et al. | 2014

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Explore over 55,000 5-star reviews and 800 client testimonials to discover why people trust Morgan & Morgan.

Results may vary depending on your particular facts and legal circumstances. Based on Select nationwide reviews

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