What does extended PIP provide?

Extended Personal Injury Protection (PIP) primarily enhances the benefits provided under standard PIP policies in Florida. Standard PIP coverage typically compensates for medical expenses and lost wages but may be limited in the amount and types of damages covered. When a policy includes extended PIP, it improves the financial support for lost wages from the standard coverage level.

Specifically, extended PIP can provide payment for lost wages at a higher percentage, which is often 80%. This means that if an insured is unable to work due to injuries sustained in an accident, extended PIP will supplement their income during the recovery period, ensuring a stronger financial safety net while they are unable to earn wages.

The other choices involve aspects that are not covered by extended PIP. For example, while repairs to the vehicle or full replacement of the vehicle may be covered under different types of insurance (like collision or comprehensive coverage), they are not relevant to the extended PIP provisions. Coverage for non-economic damages, such as pain and suffering, also does not fall under PIP as it focuses on economic losses related to medical expenses and lost wages. Thus, the significant aspect of extended PIP is its enhancement of wage loss compensation, emphasizing the correct choice.