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.
