January 7, 2026|Florida Slip and Fall Laws
If you’ve been hurt in a car accident in Florida, understanding your rights is the first step toward protecting yourself. Florida is a no-fault state, which means your own insurance must provide certain benefits after a crash — even if someone else caused it. These rules come straight from Florida Statute 627.736, the law that controls personal injury protection (PIP) benefits.
What PIP Covers After a Car Accident (Florida Statute 627.736)
After a crash, your insurance must provide PIP benefits as long as you seek initial medical care within 14 days. The law requires your insurer to cover:
• 80% of your medical treatment
This includes ER visits, MRIs, physical therapy, chiropractic care, and more, as long as they’re medically necessary. (Fla. Stat. § 627.736(1)(a))
• 60% of your lost wages
If your injuries keep you from working. (Fla. Stat. § 627.736(1)(b))
• $5,000 in death benefits
(Fla. Stat. § 627.736(1)(c))
• Coverage for passengers, pedestrians, and bicyclists
(Fla. Stat. § 627.736(1))
What Insurance Companies Don’t Want You to Know
Insurance companies must pay PIP benefits promptly. If they delay without a valid reason, payments become overdue with interest. (Fla. Stat. § 627.736(4))
Why Calling Grace Law P.A. Matters
Grace Law P.A. ensures:
• Insurance companies follow the statute
• You receive full PIP benefits
• Your rights to additional compensation are protected
• All communication with insurers is handled for you
When Should You Call Grace Law P.A.?
Immediately after any car, truck, or motorcycle accident, or if an insurer delays or denies benefits.
Final Word
Florida Law gives you important protections after a car accident, but insurance companies won’t explain them. Grace Law P.A. will. Contact Grace Law P.A. today for help with your personal injury case.
www.GraceLawPA.com