Florida Insurance Claims Adjuster License Practice Exam

In which situation does Joe have his PIP benefits available to him?

1. In a slip and fall accident in the mall in Florida

2. In an accident while riding his motorcycle

3. Struck as a pedestrian in Georgia

4. In an accident while riding as a passenger in a friend's car in Florida

The correct answer is: In an accident while riding as a passenger in a friend's car in Florida

PIP (Personal Injury Protection) benefits are typically available in no-fault states, where drivers are required to carry a minimum amount of auto insurance that covers medical expenses and other related costs. In this scenario, Joe would have PIP benefits available to him in Florida, as it is a no-fault state. However, the other options listed would not apply, as they either occurred in a different state (Georgia) or involve a different mode of transportation (motorcycle), which may not be covered under PIP benefits. Option A refers to a slip and fall accident, which would not be covered by PIP benefits as it is not related to a vehicle accident. Option C mentions being struck as a pedestrian, which would also not be covered under PIP benefits as there is no vehicle involved. Option B, while it may occur in Florida, only applies to vehicle accidents involving a motorcycle, which