In Florida, coverage for Personal Injury Protection is:
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Mandatory if you are under the age of 21.
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Required for owners of motor vehicles that have been in the state for at least 90 days during the past 365 days.
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Optional.
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Required if you've lived in Florida for the last 3 years.
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Explanation
In Florida, coverage for Personal Injury Protection (PIP) is required for owners of motor vehicles that have been in the state for at least 90 days during the past 365 days. PIP covers all injuries that were caused by a crash, no matter who caused it. Operators of motorcycles and mopeds are not required to carry it.
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