Under a basic Florida PIP policy, insurance companies are required to reimburse 80 percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services, including prosthetic devices and medically necessary ambulance, hospital, and nursing services.

PIP covers reimbursement of up to 60 percent of any loss of gross income and loss of earning capacity, per individual, from inability to work proximately caused by the injury sustained by the injured person. In other words, if you have been injured in an auto accident and your injuries are preventing you from working, then you have an eligible claim for lost wages.

Another very important provision that was amended in 2012 requires that injured drivers obtain medical treatment within 14 days of the accident. Similar to the EMC change, this requirement has allowed insurance companies to deny reimbursement of services merely because an injured person was not treated by a doctor or medical professional within the first 2 weeks.