Insurance companies like to accept premiums and deny claims. This ensures that their billion dollar business model remains profitable. Regardless of fault, Florida's No Fault Insurance, Personal Injury Protection (PIP) Insurance entitles you to the coverage provided by your policy. Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). When you hire me, I will speak to the insurance adjusters and help you file the proper forms in order for you to receive the compensation that you are legally entitled to.