I do not own a car and live by myself in Florida and I was in my friend’s car but another car hit us and caused the accident; which insurance is responsible for my medical bills?

In Florida, the owner of a car is required to have no fault or personal injury protection (PIP) which pays 80 percent of the medical bills up to $10,000, regardless of fault for the owner. It also pays the same towards the medical bills of any resident relatives of the owner who do not own a car. It also pays for any passengers of the car that do not own a car nor live with a relative that own a car. Thus, in this scenario, you generally will qualify for PIP under your friend’s PIP coverage, since you were a passenger and don’t own a car nor live with a relative that owns a car.

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