Which statement accurately describes PIP within Florida's no-fault system?

• A. PIP provides only property damage coverage
• B. PIP is optional in all circumstances
• C. PIP is provided under one's own insurance as part of the no-fault system
• D. PIP replaces health insurance entirely

Answer: (C)

PIP is medical benefits that are built into Florida auto insurance as part of the no-fault system, and those benefits are provided through your own policy. This means medical expenses (and related costs) after an auto crash are paid by your own auto insurer, regardless of who was at fault, within the coverage limits. It’s not property damage coverage, which is handled by another part of the auto policy (liability for property damage). It also doesn’t replace health insurance; PIP covers certain medical expenses specifically tied to an auto accident, while health insurance can cover broader medical needs beyond what PIP pays. And because PIP is a standard feature of the no-fault framework, it isn’t described as something optional in all circumstances.