Guide · Florida
Florida PIP, explained in plain English.
Personal Injury Protection is the most-discussed and least-understood coverage on every Florida auto policy. Here's how it works, what it pays, the 14-day rule, and where it leaves you exposed.
Published June 12, 2026 · By the Anchor Line team
What PIP pays for (80% medical, 60% wages, up to limit)
Clients usually raise "What PIP pays for (80% medical, 60% wages, up to limit)" after a non-renewal letter or a surprise premium jump. The fix is rarely the one the internet suggests. Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings.
Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings. We're independent, so we can quote across the full Florida book. The recommendation that comes back is whichever carrier wins on your file — not whichever one we'd rather sell.
The 14-day rule — see a doctor or lose benefits
"The 14-day rule — see a doctor or lose benefits" is one of the items underwriters re-rate every cycle — what was true last renewal isn't necessarily true at your 2026 quote. In practice we pull declarations page and Florida MVR, run it against Progressive, Mercury, National General, Bristol West and the non-standard book, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13.
In practice we pull declarations page and Florida MVR, run it against Progressive, Mercury, National General, Bristol West and the non-standard book, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13. The fastest path is a 5-minute call where we read declarations page and Florida MVR together and tell you which carriers in today's market would write you cheaper — and which would decline.
The Emergency Medical Condition (EMC) trap — $2,500 cap without one
"The Emergency Medical Condition (EMC) trap — $2,500 cap without one" is one of the items underwriters re-rate every cycle — what was true last renewal isn't necessarily true at your 2026 quote. The carriers worth quoting on this right now are Progressive, Mercury, National General, Bristol West and the non-standard book. Each one weights driving record, vehicle, garaging ZIP and liability limits differently, which is why a single-carrier captive agent can't tell you whether you're priced fairly — they only see one ranking.
In practice we pull declarations page and Florida MVR, run it against Progressive, Mercury, National General, Bristol West and the non-standard book, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13. If you want this specific question answered against your address and declarations page and Florida MVR, call (239) 542-1117 or request a quote and we'll come back the same business day.
PIP and minor children
"PIP and minor children" is one of the items underwriters re-rate every cycle — what was true last renewal isn't necessarily true at your 2026 quote. Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings.
The carriers worth quoting on this right now are Progressive, Mercury, National General, Bristol West and the non-standard book. Each one weights driving record, vehicle, garaging ZIP and liability limits differently, which is why a single-carrier captive agent can't tell you whether you're priced fairly — they only see one ranking. Send us your current declarations page; we'll mark it up line by line and tell you whether the policy you have is still the right one for Lee, Charlotte and Collier counties.
PIP and motorcycles (not covered!)
Most of the confusion around "PIP and motorcycles (not covered!)" comes from advice written for other states. In the Florida auto market, the math is different. The carriers worth quoting on this right now are Progressive, Mercury, National General, Bristol West and the non-standard book. Each one weights driving record, vehicle, garaging ZIP and liability limits differently, which is why a single-carrier captive agent can't tell you whether you're priced fairly — they only see one ranking.
In practice we pull declarations page and Florida MVR, run it against Progressive, Mercury, National General, Bristol West and the non-standard book, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13. The fastest path is a 5-minute call where we read declarations page and Florida MVR together and tell you which carriers in today's market would write you cheaper — and which would decline.
Why PIP is no substitute for BI/UM
Clients usually raise "Why PIP is no substitute for BI/UM" after a non-renewal letter or a surprise premium jump. The fix is rarely the one the internet suggests. In practice we pull declarations page and Florida MVR, run it against Progressive, Mercury, National General, Bristol West and the non-standard book, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13.
Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and driving record, vehicle, garaging ZIP and liability limits got re-weighted by the OIR filings. Send us your current declarations page; we'll mark it up line by line and tell you whether the policy you have is still the right one for Lee, Charlotte and Collier counties.
Ready to compare your options?
Tell us what you have today. A licensed Florida agent will compare A-rated carriers and send your quote back the same business day.
Frequently asked questions
- What PIP pays for (80% medical, 60% wages, up to limit) — what's the short answer?
- In Florida the answer to "What PIP pays for (80% medical, 60% wages, up to limit)" isn't a single number. It's a ranking that comes out of pricing your Florida auto policy across multiple carriers and reading the declarations page and Florida MVR together. If you'd like the answer against your actual address and declarations page, request a quote and we'll come back the same business day.
- The 14-day rule — see a doctor or lose benefits — what's the short answer?
- For a Florida auto policy in Lee, Charlotte and Collier counties, this one usually breaks along driving record, vehicle, garaging ZIP and liability limits. We've worked the same question dozens of times this year and the answer shifts by ZIP and roof age. If you'd like the answer against your actual address and declarations page, request a quote and we'll come back the same business day.
- The Emergency Medical Condition (EMC) trap — $2,500 cap without one — what's the short answer?
- Short answer: it turns entirely on driving record, vehicle, garaging ZIP and liability limits — and on which of Progressive, Mercury, National General, Bristol West and the non-standard book is open to your file this month. Send your current declarations page over and we'll mark up exactly what this means for your renewal — no obligation to switch.
- PIP and minor children — what's the short answer?
- For a Florida auto policy in Lee, Charlotte and Collier counties, this one usually breaks along driving record, vehicle, garaging ZIP and liability limits. We've worked the same question dozens of times this year and the answer shifts by ZIP and roof age. Send your current declarations page over and we'll mark up exactly what this means for your renewal — no obligation to switch.
- PIP and motorcycles (not covered!) — what's the short answer?
- The clean answer: pull declarations page and Florida MVR, run it against Progressive, Mercury, National General, Bristol West and the non-standard book, and the ranking tells you. Anything more specific without seeing the file is a guess. Send your current declarations page over and we'll mark up exactly what this means for your renewal — no obligation to switch.
- Why PIP is no substitute for BI/UM — what's the short answer?
- The clean answer: pull declarations page and Florida MVR, run it against Progressive, Mercury, National General, Bristol West and the non-standard book, and the ranking tells you. Anything more specific without seeing the file is a guess. If you'd like the answer against your actual address and declarations page, request a quote and we'll come back the same business day.
- How fast can Anchor Line get me a quote?
- Most Florida quotes come back the same business day. Call (239) 542-1117 or request a quote online and a licensed agent will return comparison options across multiple A-rated carriers — usually within a couple of hours during business hours.
- Do I have to switch carriers to work with Anchor Line?
- Not until you choose to. We're an independent agency, which means we compare your existing coverage against the carriers we represent in writing. If your current policy is already the right answer, we tell you that.