According to the Florida laws, PIP insurance works accurately but there are some situations where you will be able to use PIP insurance of other people. These are some ways in which PIP works,
If you owned a car during the time of the accident then you will be able to reap the benefit of your PIP insurance, does not matter you are in which car or if you have a fault or not.
If you do not have a car at the time of the accident but someone from your family has car insurance at the time of the accident then you will be able to use the benefit of PIP insurance of any live-in family member as per policy exclusion rules.
If you do not have any car or you and your family members do not have any car insurance then if the car has the insurance you were in during the accident you will get the benefit of PIP insurance of that car.
If you do not have a car and no one from your family has car insurance and you were walking on the road during the accident then you will get the PIP benefit of the car that hit you.
However as per owning a car in Florida and you met an accident then you will be able to rep benefit of anyone’s PIP.