Cheers to Medical Payments Coverage in the Sunshine State

The Basics

When it comes to automobile liability exposure, Florida has a no-fault system. Basically, every insured driver purchases the required insurance by law for THEIR own protection. This way, those who are paying for the coverage are going to be covered, regardless of fault.

Insurance Coverage Required under Florida Law

Personal Injury Protection (PIP) is an obligatory insurance coverage for automobiles that are registered and licensed in Florida. Non-commercial motorists are required by law to carry a minimum of $10,000 of PIP.  The PIP coverage will pay for 80% of injured car occupants’ medical bills and 60% of lost wages, no matter who was at fault.  

What is the use for the Medical Payments Coverage?

Medical Payments coverage applies no matter who is at fault and covers the cost of a reasonable and necessary medical care provided to you as the result of a car accident. The coverage is often limited to a specific time period following the accident (usually three years) and the amount of coverage you choose when you purchased the policy.

Why would I want this coverage?

As mentioned before, PIP only covers 80% of medical bills directly related to injuries sustained in a car accident. So, it is not going to cover 100%.  Then, what happens to the 20% not covered by PIP? You can use the Medical Payments Coverage to supplement that gap of coverage.  That way, you are better covered and regardless of who was at fault.  

Is it worth it? 

PIP and the Medical Payments Coverage will undoubtedly provide you with more money to cover for medical expenses related to an auto accident. It will give you peace of mind and security in a moment of vulnerability.  It is in an unfortunate scenario of being unprotected for those medical bills that one really wishes to have bought that extra coverage. Unfortunately, by then, it is “too little, too late” (and no, I am not talking about the JoJo song but here is the link in case you want to see it).

Remember, sadly, an auto accident can happen to anyone at any time.  You cannot control other people’s insurance coverage, financial situation or actions on the road.  But you can protect yourself, your assets and be best prepared.

With life’s uncertainties, and the risk of losing important things, we should protect our hard-earned assets. With Deer Insurance Agency by your side, you can have peace of mind, confidence, and trust that your insurance needs are well served and protected. Email us at for a free quote customized for you.