Whos PIP insurance pays
Whose PIP / No-fault benefits pay?
Although the coverage that your No-Fault Benefits provide is straightforward, the next question is much more difficult and that’s “Whose PIP or No-Fault Benefits pay?” We’re going to run down a list of which possible auto insurance No-Fault Benefits will pay if you’ve been involved in an accident because here in the state of Florida it’s a lot more complex than people realize and to some extent, it’s confusing to people when they’ve been involved in an accident. They come in and we start asking questions about who they live with, do they live with a relative, what if they don’t own a car? Because whose coverage pays for your medical bills is very important.
Let’s start with the easiest example: I own a car, I live in the state of Florida, I get into an accident. It doesn’t matter whose car I’m riding in, whether it’s mine, my neighbors, or my friends, or co-workers, if I own a car in Florida and I have car insurance and I’m in an accident, my PIP, my No-Fault Benefits will pay for my medical bills.
Now, if I don’t own a car and I’m riding in somebody else’s car, the next question is, “Do I live with a family member?” What the law calls a resident relative. If I live with a resident relative and they have a car, then no matter whose car I’m riding in in the state of Florida, my resident relative’s PIP or No-Fault coverage will pay my bills. Imagine that you live with your parents or a child lives with you. If they are in an accident or you are in an accident that insurance, the resident relative’s insurance will apply if you don’t own a vehicle.
If you don’t own a car and you don’t live with any family members who own a car … And, remember they have to be relatives, they can’t be friends, fiancee, girlfriends, boyfriends … If you don’t live with a resident relative and you don’t own a car, then you get PIP Coverage or No-Fault Benefits for the car you’re riding in at the time of an accident.
If you don’t own a car, don’t live with a relative and you’re not riding in a car. Let’s say you’re just a pedestrian on the street and you get hit then the person who hit you, their No-Fault Benefits will actually apply to you because there is no other PIP coverage available. That same pedestrian, if they own a car, their PIP will pay. If they live with a relative, that relative’s PIP will pay even though they are not in a car at the time the accident occurs.
Find out how we can help you. Call (407) 478-0074, email us, or complete our contact form, in Orlando for a free case evaluation.