Under Florida's No-Fault Law, what does Personal Injury Protection (PIP) coverage pay for?
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A.
The other driver's injuries only when you are at fault
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B.
Your own injuries in a crash, no matter who caused the crash Correct
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C.
Repair costs for your own vehicle after a crash
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D.
Damage to other people's property that you caused
The answer is "Your own injuries in a crash, no matter who caused the crash"
PIP is no-fault coverage that pays for your own crash injuries regardless of who was at fault. Choice D is the PDL definition printed one line below the PIP sentence in the manual, and readers who skim the paragraph and grab the adjacent sentence pick it.
The traps in the wrong answers
A. The other driver's injuries only when you are at fault
That description matches Bodily Injury Liability, which pays third parties, not the first-party no-fault coverage PIP provides. This answer applies the at-fault intuition drivers bring from states where the responsible driver's liability policy pays the other party's medical bills, missing that Florida routes injury costs through the driver's own PIP first.
C. Repair costs for your own vehicle after a crash
Vehicle repair is handled by collision coverage, which Florida does not require; PIP covers medical injuries only. This answer assumes any coverage tied to the driver's own vehicle must include car repair, treating PIP as if it were the optional collision coverage Florida never mandates.
D. Damage to other people's property that you caused
That description matches Property Damage Liability, not PIP. This answer grabs the PDL sentence printed one line below the PIP sentence in the same manual paragraph and swaps the two adjacent definitions.
This question tests your knowledge of Insurance & Financial Responsibility in Florida. Source: Florida Driver Manual, "Insurance Laws: No-Fault Law," p.23..
Related Florida questions
- Before registering your car in Florida, what minimum Personal Injury Protection (PIP) coverage must you show under the No-Fault Law? →
- What does Property Damage Liability (PDL) insurance pay for in Florida? →
- You are driving your own car in Florida. What proof of insurance does state law require you to have with you? →
- Where must the insurance policy on your Florida-registered vehicle be purchased? →
- Besides carrying insurance from a Florida-licensed company, how else may you prove financial responsibility for damages after a crash? →
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