In which situation would Joe have PIP benefits available to him?

In which situation would Joe have PIP benefits available to him?

• A. In a slip and fall accident in the mall in Florida
• B. In an accident while riding his motorcycle
• C. Struck as a pedestrian in Georgia
• D. In an accident while riding as a passenger in a friend's car in Florida

Answer: (D)

PIP covers medical benefits for insureds and occupants of motor vehicles involved in a crash in Florida, up to the policy limits, regardless of fault. Being a passenger in a friend’s Florida car means Joe is an occupant of a motor vehicle involved in a Florida crash, so PIP benefits would be available to him. The other scenarios don’t fit: a slip-and-fall is not a motor vehicle crash, a motorcycle crash is typically excluded from PIP unless the policy explicitly includes it, and being struck as a pedestrian in Georgia involves a crash outside Florida.

PIP covers medical benefits for insureds and occupants of motor vehicles involved in a crash in Florida, up to the policy limits, regardless of fault. Being a passenger in a friend’s Florida car means Joe is an occupant of a motor vehicle involved in a Florida crash, so PIP benefits would be available to him. The other scenarios don’t fit: a slip-and-fall is not a motor vehicle crash, a motorcycle crash is typically excluded from PIP unless the policy explicitly includes it, and being struck as a pedestrian in Georgia involves a crash outside Florida.