Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
Extended PIP coverage is a type of car insurance available in Florida that extends your personal injury protection insurance (PIP) to cover a higher percentage of your medical costs and lost wages. In Florida, basic PIP coverage only covers 80% of your medical costs and 60% of lost income.
Key Things to Know About Extended PIP Coverage
- Extended personal injury protection is available in Florida, where drivers are required to carry at least $10,000 in PIP insurance to begin with.
- Basic Florida PIP only covers 80% of your medical costs and 60% of your lost income, up to $10,000 total.
- Extended PIP covers 100% of medical costs and 80% of lost income.
- Extended PIP does not include a deductible.
- Extended PIP does not increase your overall coverage limit.
- In order to purchase a higher PIP insurance limit, you have to purchase extended PIP first.
“Extending” your PIP coverage may also mean ensuring that you have listed all family members living with you on your policy in order to extend your coverage to them. Alternatively, you can get “added PIP” which refers to purchasing higher PIP limits than your state requires.
To learn more, check out WalletHub’s picks for the best PIP insurance companies.
People also ask
What happens when PIP is exhausted?
When your Personal Injury Protection (PIP) benefits are exhausted, it simply means that you’ve reached the maximum amount your policy will pay for medical expenses, lost wages, or other covered costs related to the accident. It does not mean your treatment has to stop, it just means that you have to look to other sources to cover any remaining expenses.
Potential Sources of Coverage When PIP Is Exhausted
- Health insurance coverage
- Uninsured/Underinsured Motorist (UM/UIM) coverage if...
What is extra PIP?
“Extra PIP” likely refers to optional Personal Injury Protection benefits that go beyond the minimum coverage required by state law. It is not a standardized insurance term, and its meaning can vary, depending on the insurance company and state.
Extra PIP may include:
- Higher coverage limits for medical expenses and lost wages
- Income continuation benefits that reimburse a portion of lost wages
- Essential services coverage, which helps pay for household...
Is personal injury protection required in Florida?
Yes, personal injury protection (PIP) is required in Florida, since Florida is a no-fault state. Florida requires $10,000 of personal injury protection for every car registered in the state or driven within the state for more than 90 days in a 365-day period. So, even if you're a seasonal resident or long-term visitor to Florida, you may need to carry Florida's minimum PIP coverage.
What Does PIP Cover in Florida?
PIP in Florida covers a certain...
read full answer by Merrill Burchell, Car Insurance WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.