If you register a vehicle in the State of Florida, you must have no-fault insurance. If you don’t own a car, you don’t have to buy PIP insurance. You may be covered under your family member’s PIP policy as long as you live with them. When you don’t own a vehicle, and no one in your family has PIP insurance, the vehicle driver’s PIP insurance can step in and cover your losses, and you don’t need to buy insurance.