Whose PIP pays if I was in someone else's car?

Florida PIP is largely person-based rather than vehicle-based, which runs against most people's intuition.

If you own a vehicle with PIP, your own policy generally covers you as a passenger in someone else's car, as a pedestrian, and as a bicyclist.

If you don't own a vehicle, coverage may come from a resident relative's policy.

If neither applies, the PIP on the vehicle you were occupying may cover you.

Why this matters practically. People assume the driver's insurance covers everyone in the car, decline to open a claim with their own insurer, and lose time on a 14-day clock while the question sorts itself out.

Open a claim with your own insurer promptly even if you believe another policy applies. The claim can be sorted out afterward; the deadline can't be undone.

Rental vehicles, employer vehicles, and rideshare each have their own analysis.