P&CFloridaeasy
Under Florida's Personal Injury Protection law (§627.736), what are the minimum PIP benefit limits for a covered person injured in an auto accident?
A$25,000 total; 80% of medical and 70% of lost wages
B$10,000 total; 100% of medical and 60% of lost wages
C$20,000 per person; 80% of medical and 80% of lost wages
$10,000 total; 80% of reasonable medical expenses and 60% of lost wages
Why this is the answer
Florida §627.736 mandates PIP coverage of $10,000 per person per accident. Benefits are structured in two tiers: 80% of medically necessary medical/surgical/rehabilitative expenses, and 60% of gross income lost from disability. There is also a $5,000 death benefit. PIP is the primary payer before health insurance, regardless of who caused the accident. A $25,000 limit has never been Florida's PIP minimum. Option B's 100% medical is incorrect — the 20% patient share incentivizes cost-consciousness. Option C's per-person framing is a common distractor mixing BI liability limits with PIP, per §627.736.
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