A person may get PIP coverage from a policy they don’t own if they do not have an operable vehicle in the State of Florida. If someone does have or own an operable vehicle in the State of Florida and chose not to have PIP coverage then they will not be able to use anyone else’s 
PIP coverage to help pay their medical bills if they are in a car crash. However, if they do not own an operable vehicle under Florida Statutes then they may get PIP coverage through several different sources. One of those sources is a household relatives insurance that may provide and usually does provide coverage under these facts and circumstances. Second, the insurance of the vehicle that the claimant was driving at the time of the crash. Generally those policies will afford passenger coverage if they do not have their own PIP coverage. Third, an injured person may possibly even find coverage under the at-fault drivers PIP. In making this determination it requires an extensive review of the insurance policies, Florida Statute and the case law that applies to these incidents as it is something that can save a client up to $10,000.00 in their generally long and exhausting process, yet an important one.
