As part of your no-fault policy, you must have personal injury protection (PIP). It covers you even when you are not driving or riding as a passenger in your vehicle. It also covers you when: You are a passenger in someone else’s vehicle. You suffer injuries from someone else’s vehicle accident. Personal injury protection insurance also covers any relatives that live in your home unless they have their own coverage. The insurance also covers anyone who drives your vehicle and uninsured passengers, even if they are not related to you. Minimum Personal Injury Protection Insurance Requirements for Florida Drivers The minimum amount of personal injury protection a driver can have is $10,000 per person per accident. No-fault also allows for $5,000 in death benefits. No-fault policies cover 80 percent of your medical treatments and 60 percent of lost wages or expenses to hire someone to help you, up to the $10,000 limit. PIP does not cover non-economic losses, such as pain and suffering.