Do I need PIP if I only live in Florida part-time?

July 13, 2017 | Attorney, Matthew Dolman
Do I need PIP if I only live in Florida part-time?

Do you live in Florida for part of the year? Then, you need PIP!

The 90 Day Rule in Personal Injury Protection

As a Floridian for most of my life living in Kissimmee, Clearwater, Dunedin, Tampa, and St. Petersburg I know that Florida is a hotbed for people who only live in Florida for part of the year. Some people call them snowbirds, but whatever you call them there are some real issues with living in Florida for part of the year when it comes to your car insurance. As I've covered in other articles ( Personal Injury Protection coverage (hereafter referred to as “PIP”) is Florida's “No Fault” statute. Meaning the law provides up to $10,000 to pay for medical bills, lost wages or other expenses incurred after a car crash without determining who is at fault for the crash. The purpose of the law is to quickly pay medical bills as you are treating. Every person who is a resident of Florida is required to purchase PIP insurance as part of their Florida Insurance Policy. This sometimes is known that Florida is a “No Fault State” or Florida is a Mandatory PIP state. PIP is also mandatory in Delaware, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, and Utah. If you live in these states and have PIP on your policy of insurance the rest of this article will be irrelevant to you. However, if you live in the other 36 states, then please continue.

If I am not a resident of Florida, why do I need insurance in Florida?

The statute that governs what is required in the state of Florida is Fla. Stat. 627.733. It states: Required security.— (1)(a) Every owner or registrant of a motor vehicle, other than a motor vehicle used as a school bus as defined in s. 1006.25 or limousine, required to be registered and licensed in this state shall maintain security as required by subsection (3) in effect continuously throughout the registration or licensing period. (b) Every owner or registrant of a motor vehicle used as a taxicab shall not be governed by paragraph (1)(a) but shall maintain security as required under s. 324.032(1), and s. 627.737 shall not apply to any motor vehicle used as a taxicab. (2) Every nonresident owner or registrant of a motor vehicle which, whether operated or not, has been physically present within this state for more than 90 days during the preceding 365 days shall thereafter maintain security as defined by subsection (3) in effect continuously throughout the period such motor vehicle remains within this state. So even though you live most of the year in your home state, if you stay in Florida more than 90 days out of 365, then you need to purchase the legal minimum for Floridians ($10,000 in PIP).

What if I am on and off throughout the year, and it's not continuous?

The law does not need for the stays to be continuous. You just add them up and if it's over 90 days in the last 365, then you need to purchase PIP.

What if I am in my home state but my vehicle is left in Florida?

This is a common misconception. The law does not actually care where you as a person are at any time. It only concerns itself with the vehicle. If you leave a vehicle in Florida throughout the year, you need to purchase PIP insurance.

What is the purpose of making nonresidents buy this insurance?

As explained in other articles, PIP insurance covers drivers of vehicles as well as passengers of vehicles, as long as that passenger does not reside with a resident relative who has PIP or own their own vehicle which requires PIP. Therefore, if you are in the State of Florida driving around 25% of the year, with passengers in your vehicle, you would be subjecting them to possible undue hardships if you were to be in a car crash with them in your vehicle as they should be able to assume that you have PIP coverage for them.

How can this affect me if I am in a car crash?

Scenario 1: Driving in your vehicle with no passengers.

In this scenario, clearly you will not get any PIP coverage as you chose not to elect any.

Scenario 2: Driving in your vehicle with passengers.

Assuming your passengers have no vehicles, nor live with any resident relatives who have PIP, when you get into a crash, no persons in your vehicle will get PIP coverage. Your passengers might be very surprised to learn this as they see you in Florida for a quarter of the year.

Scenario 3: Passenger in vehicle that has PIP.

In this scenario, if you spent 89 days in Florida you would receive the PIP insurance of the vehicle in which you were traveling in, however because you spent over 90 and therefore have a vehicle that is required to have its own PIP you get NOTHING. No PIP, not one cent. so while you can save some money by not getting the PIP insurance you could be out of $10,000 in benefits coverage in this scenario.

Why should you elect the PIP insurance?

Other than the obvious, that it is required by law, PIP insurance is $10,000 per person per accident. So if you have a family of five (5) that is $50,000 worth of coverage to heal them after an injury compared to the small amount of money it costs to add the coverage to your policy. It is better to be safe than sorry.

St. Peterburg Personal Injury Protection Lawyer

The Dolman Law Group Accident Injury Lawyers, PA has years of experience dealing with the insurance companies, varying insurance policies, and those who are in need of filing insurance claims. If you or a loved one has been hurt in an automobile accident and are in need of high-quality representation by a personal injury attorney, call Derek Bernstein Esq., the St. Petersburg Personal Injury Attorney at Dolman Law Group Accident Injury Lawyers, PA today. We can help you navigate the complex path in maximizing your insurance company claim. Our phone number is 727-222-6922 or email at [email protected]. Please feel free to contact me with your questions.


Matthew Dolman

Personal Injury Lawyer

This article was written and reviewed by Matthew Dolman. Matt has been a practicing civil trial, personal injury, products liability, and mass tort lawyer since 2004. He has successfully fought for more than 11,000 injured clients and acted as lead counsel in more than 1,000 lawsuits. Always on the cutting edge of personal injury law, Matt is actively engaged in complex legal matters, including Suboxone, AFFF, and Ozempic lawsuits.  Matt is a lifetime member of the Million Dollar Advocates Forum and Multi-Million Dollar Advocates Forum for resolving individual cases in excess of $1 million and $2 million, respectively. He has also been selected by his colleagues as a Florida Superlawyer and as a member of Florida’s Legal Elite on multiple occasions. Further, Matt has been quoted in the media numerous times and is a sought-after speaker on a variety of legal issues and topics.

Learn More