Auto Insurance Claims: PIP Auto insurance, Florida PIP, PIP


Question
My daughter was on the hood of another person's car, in a parking lot, and fell off when the car came to a sudden stop. She was injured. Can I call and claim this on my auto insurance? Florida resident.

Answer
Indeed.  Florida statute chapter 627.736 sets forth the types of claims covered.  See below for the specific language relating to whether this would fall under PIP:

(1)  REQUIRED BENEFITS.--Every insurance policy complying with the security requirements of s. 627.733 shall provide personal injury protection to the named insured, relatives residing in the same household, persons operating the insured motor vehicle, passengers in such motor vehicle, and other persons struck by such motor vehicle and suffering bodily injury while not an occupant of a self-propelled vehicle, subject to the provisions of subsection (2) and paragraph (4)(e), to a limit of $10,000 for loss sustained by any such person as a result of bodily injury, sickness, disease, or death arising out of the ownership, maintenance, or use of a motor vehicle as follows: