VictimsGuide

A Citizen’s Guide to Auto Insurance and Crash Law

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FLORIDA AUTO INSURANCE GUIDE

Florida PIP, MedPay, Medical Liens, Subrogation & Reimbursement

Florida PIP generally provides up to $10,000 in medical and disability benefits and $5,000 in death benefits. Medical benefits ordinarily reimburse 80% of reasonable, medically necessary covered expenses when initial services and care are received within 14 days after the crash.

  • Up to $10,000 in medical benefits is available when an authorized provider determines that an emergency medical condition existed.
  • If the required provider determines that no emergency medical condition existed, medical reimbursement is generally limited to $2,500.
  • Track the 14-day treatment requirement, PIP ledger, disability benefits, denials and exhaustion carefully.
  • Analyze MedPay, health-insurance payments, medical liens, subrogation and reimbursement separately from PIP.

Primary Florida Source

Fla. Stat. § 627.736 — Required PIP Benefits

Current-law review: September 16, 2026. PIP benefits depend on timing, provider qualifications, medical necessity, emergency-medical-condition findings and statutory reimbursement rules.