Florida PIP Subrogation And The Mysterious Commercial Vehicle Exception

Let’s just say it. Florida PIP subrogation is a pain in the butt. The state was almost out of the weeds in 2007 when its no-fault laws automatically sunsetted; but the legislature passed a new no-fault law which took effect in 2008.

PIP coverage is required for all “motor vehicles” registered and licensed in Florida or in the state for an extended period of time.[i]

PIP insurance covers the insured – regardless of fault. Under Florida’s no-fault insurance statute, if an insured is hurt in an accident, a PIP policy will automatically pay 80% of reasonable medical expenses related to injuries sustained, 60% of lost earnings subject to the limits of the coverage, and any applicable deductible (or up to the specified policy limit), regardless of who caused the accident.