Additional PIP applies only to which group?

• A. Insured and family members
• B. All drivers
• C. Named insured only
• D. Anyone with permission to drive

Answer: (A)

Additional PIP benefits in Florida are tied to the people most closely connected to the policy: the person named on the policy and the family members who reside in the same household. These are the individuals who receive the extended medical-benefit protection under PIP, regardless of fault. It isn’t extended to every driver, nor is it limited to only the named insured if other household members are also covered. It also isn’t automatically available to anyone simply allowed to drive the car. Therefore, the group that qualifies for additional PIP is the insured and family members.