If you don’t own a car, and you’re hurt in a Florida car crash, Personal Injury Protection (PIP) insurance may pay your medical bills.
Your Resident Relative’s PIP May Cover You
If you didn’t own a car at the time of the car accident, then your resident relative’s PIP & Medpay coverage may pay your medical bills.
See if you must use your resident relative’s PIP insurance.
Will a Resident Relative’s PIP Insurance Cover You if You Don’t Own a Car and You’re a Passenger in an Uber?
Maybe. If you’re an Uber passenger who doesn’t own a car, your resident relative’s PIP should pay 80% of your medical bills up to $10,000. See if Uber will pay your medical bills after an accident in Florida.
What If You Don’t Live With a Resident Relative Who Has PIP Insurance?
If you didn’t own a car or live with a resident relative who has PIP insurance at the time of the crash, then the PIP coverage of the vehicle may pay your medical bills. It would apply if you were driving or were a passenger.
Will PIP Cover a Pedestrian or Bicyclist Who Doesn’t Own a Car in Florida?
If you don’t own a car in Florida, you may also be covered under a resident relative’s or the car owner’s Florida PIP if:
Can a PIP Insurer Deny Your Claim Under Someone Else’s PIP?
If you’re making a claim with someone else’s PIP, the PIP insurer can deny coverage in some situations. One situation where a PIP insurer may deny coverage are you don’t own a car is if:
You Should Call PIP Insurer to Set Up a PIP Claim
You should call the proper PIP insurer to set up a PIP claim. This takes about 10 minutes or so. On that phone call, the PIP insurer will give you a claim number.
Complete Statement of Non-Ownership
If you’re making a claim under someone’s PIP, then you should quickly complete a statement of non-ownership and send it to the proper PIP insurer(s). Don’t wait for the PIP insurer to send it to you.
This will give the PIP insurer some of the documentation that it needs to pay your medical expenses and/or lost wages.
Who Else Will Pay Your Medical Bills Besides PIP if You Don’t Own a Car?
Learn about the many sources that may pay your medical bills after a Florida car accident. They are in addition to PIP.
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