Under Florida law, you would have to use the PIP coverage from the home you live in. If you did not own car and the home you lived in did not a have a vehicle registered to the home, and you mother (whom doesn't live with you) let u borrow the car, then you would have PIP coverage through your mother coverage. Based on facts stated in your question, you may not be getting any PIP carrier to cover you because of aunt failure to disclose (material misrepresentation) to insurance carrier about people living in home.
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If you are a renter in your aunts house, and not just a relative living with her, I do not necessarily agree that she is required to advise her ins company of the renters living in her home. Especially, if you were not authorized to ever drive her car. That being said, there are other factors, such as whether you were staying with your aunt for a short time period, i.e., temporarily. If so, that would be another reason you would not need to be disclosed on your aunts policy. I would recommend signing an affidavit, that states you did not own a vehicle of your own and that you were a tenant in your aunt's home and not authorized to drive her car. (Assuming all to be true). Send the affidavit to your moms auto policy (pip adjuster) and tell them that you are entitled to coverage through her policy. If that doesn't work, get a lawyer.
If you don't own a car and you are renting a place, regardless if its your aunt's, you would qualify under the PIP policy for the vehicle you were operating at the time of the incident. Hopefully you have a Lease Agreement with your aunt but if not an Affidavit likely will suffice.
Insurance companies don't look for reasons to pay benefits but instead for reasons to deny it so I would consult an attorney for assistance with this issue as it will benefit you in the long run. Best of luck to you.
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As others have responded, it depends on a number of things. First off, if your Aunt lives with you and you are listed on her policy, you will be able to go through her PIP. If however she does not live with you and is merely renting the house to you, then you are out of luck going through her PIP. In that case, all you have to do is fill out an affidavit stating that you don't own a car and you don't live with anyone that does. Please be aware of changes to the PIP statute that went into effect on January 1st, 2013. If you want to know about those changes, please visit my blog. If you have any questions, always feel free to contact me at my office.
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