Written by attorney Robert John Sunner

PIP: Who is covered through your PIP benefits under Florida no-fault Law? (Part I)

(1) If you are a resident of Florida and own a motor vehicle, you are required to purchase PIP. You are covered by PIP if you are the named insured. You, the insured, are covered by PIP while driving your vehicle or when a passenger in another’s vehicle. You are also covered while outside a motor vehicle if struck and injured by a motor vehicle.

(2) Resident relatives who live with you, the insured, may be covered by your PIP benefits while they are driving your car, as passengers in your or another’s car, and while pedestrians if struck and injured by a motor vehicle.

(3) Others who are injured while driving your insured motor vehicle or who are injured while a passenger in your insured motor vehicle or who are injured as a pedestrian when struck by your insured motor vehicle may be covered by your PIP.

(4) If you or your insured relatives living with you are injured while outside Florida, and you are in your insured motor vehicle, you and your insured relatives are covered under PIP as long as the injury occurs within the US, its territories or possessions, or in Canada.

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