The legislative intent behind Florida’s original Personal Injury Protection statute (Fla.Stat. 627.736 was to insure your ability to purchase needed medical care immediately following an auto collision. This coverage is a benefit of the policy that you pay for. Until recently every Florida insured driver, passenger, or pedestrian had a right to $10,000 in coverage earmarked solely for your medical needs and wage losses. It was a simple process. If you were injured in a motor vehicle collision your insurance company was required to provide these benefits. That has now changed!