The Sunshine State is a No Fault state which requires motorists to carry Personal Injury Protection (PIP) and Property Damage Liability for as long as they have a vehicle with at least four wheels registered and licensed in FL. While most Floridians are aware of this, PIP and auto insurance in general can be a complicated product which many residents may not fully understand; individuals should take the time to know exactly how their policies will cover them in the event of a loss to ensure that they are properly insured.

Personal injury protection will pay for the injuries of the policyholder up to coverage limits regardless of who is at fault for causing the traffic accident; this portion of Florida car insurance policies will also cover the insured’s children and other resident members of their household. PIP may also cover certain passengers who lack coverage and drivers who operate the policyholder’s vehicle with permission. In addition, personal injury protection will cover the injuries sustained by passengers unless they own a vehicle and lack PIP or have a policy of their own which will cover their medical costs up to their coverage limits.