Yes. Florida is a no-fault state, which means your own Personal Injury Protection (PIP) pays your medical bills and lost wages after an accident no matter who caused it. PIP covers 80% of reasonable medical expenses and 60% of lost income, up to $10,000.
Two rules matter: you generally must get medical treatment within 14 days of the accident for PIP to apply, and benefits may be limited to $2,500 unless a doctor determines you had an emergency medical condition. No-fault doesn’t mean no one is responsible. Property damage is still paid by the at-fault driver’s insurance, and you can sue the at-fault driver for serious or permanent injuries.
Questions about your own policy? Near Me Insurance in Oviedo helps homeowners and drivers across Seminole and Orange County compare options from multiple carriers.
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