If your PIP runs out after a Florida car accident, you may feel like your options are
gone—but the truth is, you still have a clear path to compensation. At Chad Barr Law, we help injury victims across Central Florida get paid beyond PIP, even when insurance companies try to say, “That’s all you get.”
Here’s what happens when your PIP runs out—and how we can help you recover every dollar you deserve.
What PIP Covers (and Doesn’t)
Under Florida law, PIP (Personal Injury Protection) insurance is required. It typically covers:
- Up to $10,000 in medical expenses
- 60% of lost wages
- $5,000 in death benefits
But here’s the thing—$10,000 doesn’t go far. After a single ER visit, imaging tests, and follow-ups, many accident victims find themselves hitting that cap quickly. When PIP runs out, you’re left holding the bill… unless you take action.
You Can Still Get Compensation After PIP Runs Out
Yes, there’s life after PIP. If someone else caused your crash and you meet certain requirements, you may be entitled to a personal injury settlement that covers:
- Full medical bills (past and future)
- Lost income and earning potential
- Pain and suffering
- Emotional distress
- Permanent disability or scarring
Let’s break down your options.
1. File a Claim Against the At-Fault Driver
Florida is a no-fault state—but only up to a point. Once PIP is exhausted and your injuries meet the serious injury threshold, you can step outside the no-fault system and hold the at-fault driver accountable.
To do that, your attorney can file a claim against their bodily injury liability (BIL) insurance policy. You’ll need to prove:
- The other driver was more than 50% at fault
- Your injuries are permanent, caused significant loss of function, or resulted in permanent scarring or disfigurement
We’ll help you gather medical records, witness statements, crash reports, and any surveillance footage available to build a strong claim.
2. Use Your Health Insurance (If You Have It)
If you’ve run out of PIP and haven’t recovered from the at-fault driver yet, your private health insurance may cover additional treatments.
However:
- You may be responsible for deductibles and copays
- Your insurer might have the right to reimbursement (subrogation) if you receive a personal injury settlement later
We’ll help you navigate those issues and make sure your rights are protected.
3. Tap Into UM/UIM Coverage
If the at-fault driver doesn’t have enough coverage—or has none at all—your uninsured/underinsured motorist (UM/UIM) coverage may kick in. This coverage is optional in Florida but extremely helpful in situations like this.
UM/UIM benefits can help cover:
- Medical expenses
- Lost wages
- Pain and suffering
Not sure if you have it? We can review your policy for free.
4. File a Personal Injury Lawsuit
Sometimes, filing a lawsuit is the best (or only) way to recover full compensation. Especially when:
- The insurance company won’t negotiate fairly
- You suffered a long-term or life-altering injury
- The liable party’s coverage isn’t enough
Under Florida’s modified comparative negligence law, you can recover damages as long as you were less than 51% at fault. Your award may be reduced by your percentage of fault—but you won’t be shut out unless you were the majority cause of the accident.
And don’t wait—Florida now has a 2-year statute of limitations for injury lawsuits stemming from car accidents.
5. Let Chad Barr Law Handle the Heavy Lifting
When you’re injured and out of options, dealing with insurance adjusters and medical bills is the last thing you need. That’s where we come in.
At Chad Barr Law, we:
- Take over communication with the insurance companies
- Build a rock-solid claim with medical and legal evidence
- Fight for every dollar you’re owed—in negotiations or in court
- Give you the personal attention other firms just don’t
You’ll never be handed off to a case manager or left wondering what’s happening. Our attorneys are personally involved in every case, and we take pride in helping clients go from overwhelmed to empowered.
Don’t Let the Insurance Company Decide What You Deserve
Just because your PIP is gone doesn’t mean your case is over. If you were seriously hurt in a crash that wasn’t your fault, you may be entitled to far more than $10,000.
Call Chad Barr Law today for a free consultation. We serve clients in Altamonte Springs, Wekiva Springs, Maitland, and throughout Central Florida—and we don’t get paid unless you win.
Related Blogs:
Personal Injury Lawyer: What to Know Before Hiring One
Why Clients Trust Attorney Olivia H. Miller
If you’re looking for experience that gets results, Attorney Olivia H. Miller brings the edge you need. Before representing injury victims, Olivia spent years defending insurance companies—so she knows exactly how they operate and how to beat them at their own game. Her trial experience and personal approach set her apart. When you hire Chad Barr Law, you’re not just getting legal help—you’re getting a fierce advocate who knows how to maximize your recovery and who treats every client like family.
