Ace the Florida Insurance Claims Adjuster Test 2026 – Jumpstart Your Adjusting Adventure!

To determine the amount that Personal Injury Protection (PIP) will pay after applying a deductible, it is essential to understand how PIP coverage functions in Florida. PIP typically covers 80% of medical expenses and 60% of lost wages, up to a maximum limit, which is often $10,000 for PIP policies in Florida.

Assuming the insured incurred total damages that exceed the PIP limits, the deductible needs to be subtracted from the total allowable amount covered by the PIP policy. In this scenario, if the total PIP coverage available to the insured is $10,000 but there is a $1,000 deductible, the payment from PIP would be calculated as follows:

- Start with the total coverage limit of $10,000.

- Subtract the deductible amount of $1,000.

Thus, $10,000 - $1,000 results in a final PIP payment amount of $9,000. However, if the context of the total damages being referred to exceeds $10,000 and the deductible is considered after determining the maximum payout, it could lead to different calculations. However, typically, once the deductible is accounted for, the remaining amount would be paid by PIP, provided