Can a Passenger in a Car Accident Use PIP in Jacksonville?

Yes. Passengers injured in a car accident in Florida can access PIP coverage. The source of that coverage depends on a few factors, but the 14-day window to seek treatment applies to passengers the same as it does to drivers.

Whose PIP Covers the Passenger

Florida PIP follows the vehicle, not the person. If you were a passenger in someone else's car, their PIP is the primary coverage for your injuries. If the driver did not have PIP or their PIP limits were exhausted by their own injuries, your own PIP policy on your registered vehicle becomes secondary coverage even though you were not driving your car at the time of the accident.

Passengers without their own vehicle and PIP policy may be able to access household resident coverage through a family member's policy. The analysis is fact-specific and varies by case. When you call us, we work through the coverage picture with you before scheduling.

The 14-Day Rule for Passengers

The 14-day window from the accident date applies to passengers exactly as it applies to drivers. It does not matter that you were not at fault, not driving, or not even sure whether you were injured at the scene. If you choose to seek treatment within 14 days, PIP covers it. If you wait, coverage is gone. We take same-day and next-day appointments for accident patients of all kinds.

What to Bring When You Call

Have the driver's name and insurance information if you can get it, the accident date, a police report number if one was filed, and your own insurance information. We can work with whatever combination of information you have. Incomplete information does not prevent us from seeing you. Call (904) 539-3352. 13770 Beach Blvd #4, Jacksonville FL 32224.