If you have read that Florida is getting rid of PIP, you have read something that is not true yet. As of June 2026, Florida has not repealed no-fault, and Personal Injury Protection is still required on most vehicles. The confusion is everywhere, and it is costing people real money, because drivers are making coverage decisions, and crash victims are guessing at their rights, based on a change that has not happened.
The reason this page exists is simple. When the law is unsettled and the internet is full of confident, wrong answers, the accurate answer is worth more than the loud one. Here is where Florida no-fault stands today, checked against the statute and the Legislature, and what it means for you.
The short answer, current as of June 2026
Florida no-fault is still in effect. The 2026 legislative session ended in March 2026 without passing a repeal, and the most recent bills aimed at ending PIP died in committee. The July 1, 2026 date that appears all over the internet was a proposed effective date written into those bills, and because the bills never became law, that date carries no force. Personal Injury Protection remains mandatory under Fla. Stat. 627.736, exactly as it has been for years. A repeal has reached the Governor’s desk only once in the past, and it was vetoed, so even a bill that passes is not the end of the story.
People ask whether PIP is gone because they have heard about the repeal fights, and the practical answer is that no-fault still governs your case today. I keep an eye on this because the law here has been debated for years and could change, and either way what matters is applying the rules that are in force to your crash. I represent injured people, not insurance companies, and I make sure your claim is handled under the law as it stands, not under a headline about what might happen.
On a question like whether PIP is repealed, I read the actual statute and track the Legislature rather than the headlines, and that habit of close reading runs through everything I do. I am an ACS-CHAL Forensic Lawyer-Scientist who spent years defending DUI cases, so I know how the physical evidence of a crash, the data a vehicle records, and any impairment evidence are built and challenged. I represent injured people, not insurance companies, and I came up in the courtroom as a public defender, tried numerous cases, and cross-examined witnesses constantly. Because I am willing to put a case in front of a jury, which is often what moves an insurer to pay fair value, I get the details right rather than guess. I handle your case personally, from the first call through trial. Learn more about my background.
Why so many sources say PIP is already gone
Three things feed the confusion. First, lawmakers have filed repeal bills year after year, and reporting on those bills often led with the proposed July 1, 2026 date, so a proposal got read as a done deal. Second, a wave of articles was written while repeal looked likely and was never corrected once the bills stalled. Third, search engines and AI answer tools have been repeating those stale claims as settled fact, to the point that an insurance trade publication ran a story in 2026 correcting the record and naming AI-generated summaries as part of the problem. It is also easy to confuse the current bills with a 2021 repeal that passed the Legislature and was vetoed. The result is a lot of Florida law firm pages and insurance sites confidently describing a system that does not exist yet.
What Florida PIP requires right now
Until a repeal is signed, the no-fault rules apply in full. These are the pieces that decide how a crash claim works today.
| Item | Detail |
|---|---|
| Required coverage | At least $10,000 in Personal Injury Protection plus $10,000 in property damage liability to register most vehicles. |
| What PIP pays | Eighty percent of reasonable and necessary medical expenses and sixty percent of lost wages, up to the $10,000 limit, regardless of who caused the crash. |
| Death benefit | A $5,000 death benefit for surviving family. |
| The 14-day rule | You must seek initial medical care within 14 days of the crash, or you forfeit PIP benefits. |
| Emergency medical condition | The full $10,000 is available only if a qualifying provider finds an emergency medical condition. If not, PIP is capped at $2,500. |
| Stepping outside no-fault | You can pursue the at-fault driver for pain and suffering only if your injury meets the serious-injury threshold: permanent injury, significant and permanent scarring or disfigurement, or permanent loss of an important bodily function. |
These rules stay in force unless and until a repeal is signed into law.
What would change if a repeal passes
It is worth understanding the proposed system, because it may arrive in a future session even though it is not here now. If Florida repeals PIP, it would shift to an at-fault, or tort, system. Drivers would carry bodily injury liability coverage instead of PIP, with the proposals setting a minimum of 25,000 per person and 50,000 per crash, often paired with a smaller medical-payments coverage. The biggest practical change is that an injured person could sue the at-fault driver directly for medical bills, lost wages, and pain and suffering, without first clearing the no-fault threshold. Your own health insurance would carry more of the early load while fault is sorted out, and uninsured and underinsured motorist coverage would become even more important in a state where roughly one in five drivers carries no insurance at all. None of that is the law today, and we will update this page the day it changes.
If you were just hurt in a crash
For now, treat your claim as a no-fault claim, because that is what it is. Get medical care inside the 14-day window so you do not lose your PIP benefits. Do not drop coverage based on a headline. And if your injuries are serious enough to step outside no-fault, the value of your case turns on proof and on standing up to an insurer that would rather pay you the no-fault minimum and move on. That is the part I handle.
Current status verified against the Florida Legislature and Fla. Stat. 627.736 as of June 2026. This page is reviewed and updated as the law changes.
Common Questions
Is Florida PIP repealed?
No. As of June 2026, Florida has not repealed no-fault, and Personal Injury Protection is still required on most vehicles under Fla. Stat. 627.736. Bills that proposed ending PIP in the 2025 and 2026 sessions did not become law, so the no-fault system remains fully in effect.
Then why do so many websites say PIP ends July 1, 2026?
Because several repeal bills listed July 1, 2026 as a proposed effective date, and those bills did not pass. Older articles written when repeal looked likely were never updated, and some search results and AI summaries repeat that date as if it were settled. A proposed date inside a bill that never became law is not the law.
Do I still need PIP on my car right now?
Yes. Florida still requires at least $10,000 in Personal Injury Protection and $10,000 in property damage liability to register most vehicles. Dropping PIP because you read somewhere that it was repealed could leave you without required coverage and put your registration and license at risk.
What is the 14-day rule?
Under Fla. Stat. 627.736, you must get initial medical care within 14 days of a crash to keep your PIP benefits. Miss that window and you can forfeit PIP coverage entirely. If the first provider does not find an emergency medical condition, your available PIP is capped at $2,500 instead of the full $10,000, so the early medical visit matters a great deal.
What happens to my claim if Florida does repeal PIP later?
If a repeal is signed, Florida would move from no-fault to an at-fault system. Drivers would carry bodily injury liability coverage, with proposals setting a 25,000 per person and 50,000 per crash minimum, instead of PIP, and an injured person could pursue the at-fault driver directly. Uninsured and underinsured motorist coverage would matter even more. If that happens, this page will be updated to reflect the new law.
Related: Florida car accident overview, Hit by a drunk driver, Personal injury overview, and About Rory Safir.
This page is general information about Florida no-fault law, not legal advice, and it does not create an attorney-client relationship. The governing statute is Fla. Stat. 627.736, with the limitations period in Fla. Stat. 95.11. Insurance law changes, and the status described here reflects June 2026. Every case is different, and past results do not guarantee a similar outcome. The hiring of a lawyer is an important decision that should not be based solely on advertisements.
