Personal Injury Protection Orlando Florida FL
Reader’s Question:
I live in Orlando, Florida and last November 2007 I bought a car. Last year I was not required to purchase a Personal Injury Protection (PIP). I heard that the policy changed so do I still have to carry PIP?
Michael
Orlando, FL
Yes, under Florida law it mandates every owner of an automobile, required to be registered in Florida, carry PIP to protect themselves in the occurrence of injuries sustained in a car accident.
Last October 1, 2007, Florida’s No-Fault Insurance Law was replaced with the Florida At-Fault Insurance Law. At that time, Personal injury protection (PIP) was no longer required as a prerequisite to registering a vehicle. The Florida Legislature passed a bill to re-enact Florida’s No-Fault Insurance Law to take effect on January 1, 2008. On October 11, 2007,Governor Crist signed the bill into law. The bill also has given the Department of Highway Safety and Motor Vehicles (DHSMV) with authority to suspend the driving privilege of an individual who does not have property damage liability insurance effective October 11, 2007.
As of January 1, 2008, Personal Injury Protection (PIP) coverage was again required for Orlando, Florida registered vehicles. Personal Injury Protection will pay 80% of all reasonable and necessary medical expenses up to the $10,000.00 policy limit.
Tags: auto insurance