How Do I Pay For An Accident In Florida?

Understand Florida's car accident insurance options. Learn about PIP, Bodily Injury Coverage, and UI/UM policies. Get expert insight on protecting yourself.

💡 Key Takeways

In Florida, there are three main ways you will generally pay for an accident

Personal Injury Protection (PIP)

Personal Injury Protection policies are also referred to as "no fault policies". They cover up to $10,000 in medical bill and can cover up to 80% of your medical bills


Bodily Injury Coverage

Bodily injury coverage is paid out by the insurance company of the individual who is at fault. This can span a large range, from no money to millions of dollars. This covers a number of damages and is paid in a single lump sum.

Uninsured or Underinsured Motorist Policy (UI/UM)

This is a policy that is included in the not-at-fault driver's policy. UI/UM policies pay beyond the at-fault driver's coverage and is incredibly helpful to have within your insurance policy.

Be Safe Out There

Make sure you have great insurance, be careful while driving and, if you ever get into any trouble, give us a call.

Riley Beam

Managing Attorney

Riley Beam is a personal injury attorney who has helped secure over $100 million for clients and earned recognition as President of National Trial Lawyers 40 Under 40.

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