PIP Insurance in Naples, FL — done right.
Florida law requires Personal Injury Protection on every vehicle. We make sure yours actually protects you — without overpaying or leaving dangerous gaps.
- Required $10,000 PIP — explained in plain English
- We handle the 14-day medical rule so you're never caught off guard
- Pair with Bodily Injury Liability + UM for real protection
- Free quote in under 60 seconds — bilingual (EN/ES)
A+ rated · Independent agency · Naples-based since 2019.
Free quote in under 60 seconds
No spam, no pressure — just real help from a Naples-based independent agency.
Message us on WhatsAppOr request a quote onlineFlorida $10K PIP
We file the state-required Personal Injury Protection covering 80% of medical bills and 60% of lost wages — regardless of fault.
Beyond the minimum
PIP alone leaves big gaps. We add Bodily Injury Liability, Uninsured Motorist, and MedPay so a single accident doesn't wipe you out.
Local Naples claims help
We're based at 3080 Tamiami Trail E, Naples. When you file a claim, you talk to a real human in your time zone — not a call center.
14-day rule guidance
Miss the 14-day medical visit deadline and Florida wipes out your PIP. We walk every client through exactly what to do after a crash.
Bundle and save
Pair your auto with Naples homeowners or condo insurance and save 15–25%. We quote both in one shot.
40+ carriers compared
As an independent agency, we shop A-rated carriers to find the lowest qualified rate for your exact Naples zip code and driver profile.
— FAQs
Common questions, real answers
Is PIP insurance required in Florida?+
Yes. Every registered vehicle in Florida must carry $10,000 in Personal Injury Protection (PIP) plus $10,000 Property Damage Liability (PDL). Driving without it can suspend your license and registration for up to 3 years.
What does PIP actually cover?+
PIP pays 80% of reasonable medical bills, 60% of lost wages (up to your $10K limit), $5,000 in death benefits, and limited household replacement services — regardless of who caused the accident. It follows YOU as a driver, passenger, pedestrian, or cyclist.
What is the 14-day rule?+
To use your PIP benefits, you MUST seek medical treatment within 14 days of the accident. Miss that window and you forfeit your PIP coverage entirely — even for legitimate injuries discovered later.
Is $10,000 of PIP enough?+
Honestly, no. A single ER visit in Naples can exceed $30,000. PIP also doesn't pay for pain and suffering, the other 20% of medical bills, or damage to anyone's vehicle. We strongly recommend stacking Bodily Injury Liability ($100k/$300k) and Uninsured Motorist coverage on top.
How fast can I get covered?+
Same day. Message us on WhatsApp or call (239) 422-9601 — most Naples drivers are quoted, bound, and insured in under 30 minutes.
— Get started
Get your Naples PIP quote today.
One message. Real Florida pricing in minutes — no spam, no pressure.