Question

Joe is an owner insured for PIP. In which of the following situations does Joe have his PIP benefits available to him?

1) In a slip and fall accident in the mall in Florida
2) In an accident while riding his motorcycle
3) Struck as a pedestrian in Georgia
4) In an accident while riding as a passenger in a friend's car in Florida

Answer 1

Joe's PIP benefits will cover him if he is struck as a pedestrian in Georgia or is involved in an accident as a passenger in a friend's car in Florida. However, PIP does not cover slip and fall accidents or motorcycle accidents.

Step-by-step explanation:

Personal Injury Protection (PIP) benefits are designed to cover medical expenses and other losses incurred by the policyholder regardless of who is at fault in an accident. For Joe, his PIP benefits would be available to him in the following situations:

• Struck as a pedestrian in Georgia
• In an accident while riding as a passenger in a friend's car in Florida

However, PIP benefits typically do not cover incidents such as slip and fall accidents or accidents while riding a motorcycle, as these situations often fall outside the standard auto insurance policy coverage.