Which statement best describes the main elements of Florida law regarding immunities and PIP?

• A. Compliance yields complete immunity from all tort lawsuits
• B. Bodily injuries must always be pursued via tort damages
• C. Those who comply have limited immunity from tort suits and PIP is defined as coverage under one's own policy
• D. PIP coverage is optional and not related to no-fault law

Answer: (C)

Florida's no-fault framework links the ability to sue to whether you comply with PIP requirements. PIP, or Personal Injury Protection, is coverage under your own auto policy that pays medical expenses and related losses regardless of fault. If you follow the no-fault process—filing a timely PIP claim, seeking appropriate medical treatment, and meeting required steps—you gain limited immunity from tort lawsuits for the injuries arising from that crash. This means you typically aren’t able to sue for certain damages unless a statutory threshold is met, and your medical costs are handled through your own PIP coverage. The other statements misstate the relationship: complete immunity isn’t provided, injuries aren’t pursued exclusively through tort when PIP applies, and PIP is a defined part of the no-fault system under your own policy.