When you’re injured in a car accident, lost wages can quickly become one of the most stressful consequences. Florida’s No-Fault Insurance (PIP) allows you to recover a portion of your lost income, but you must document it carefully to receive the full benefit.
Step 1: Gather Employer Documentation
Your insurance company will require an Employer Wage and Salary Verification Form, confirming your job title, pay rate, and days missed due to your injuries. This must be completed and signed by your employer — and delays here are common, so it’s best to act quickly.
Step 2: Obtain a Doctor’s Disability Note
You must have a doctor’s certification stating you are unable to work because of your accident-related injuries. Without medical verification, PIP will not pay wage loss benefits.
Step 3: Submit Pay Stubs or Tax Returns
To calculate your lost income, the insurer will need pay stubs, W-2s, or tax records showing your average earnings. Self-employed individuals can use invoices or profit-and-loss statements.
How Much Will PIP Pay?
Florida’s No-Fault law covers 60% of lost income, up to your $10,000 PIP limit (combined with medical expenses). If your injuries are severe, your attorney may pursue additional wage loss from the at-fault driver’s bodily injury coverage.
Common Mistakes to Avoid
- Waiting too long to notify your insurer
- Submitting incomplete forms
- Failing to follow up with your employer or doctor
- Accepting partial payments without reviewing calculations
At The Watson Firm, we help clients organize and present all wage loss documentation efficiently so their claims are paid faster and more completely.
If your accident has kept you from working, don’t face the paperwork alone. Let our legal team help you recover what you’re owed.
Call The Watson Firm, PLLC today at (850) 607-2929 or fill out our online form to schedule a consultation.