Which statement about Personal Injury Protection (PIP) is NOT true?

Personal Injury Protection (PIP) is designed to provide coverage for medical expenses and other related costs that arise from injuries sustained in an automobile accident, regardless of who is at fault. This is commonly known as no-fault coverage, meaning that the insured party receives benefits without needing to prove negligence on their part.

The assertion that PIP is typically secondary coverage is inaccurate, as it functions primarily as the first line of defense in terms of coverage. In Florida, PIP is mandated to be the primary source of coverage for medical expenses following an accident. This means that insured individuals look to their PIP policy first before seeking any additional coverage that may be available through other insurance policies.

Thus, the primary role of PIP is to ensure immediate access to medical benefits and compensation, limiting the need for court involvement and enhancing efficiency in processing claims. As such, the correct interpretation of PIP is that it serves as a primary coverage option, which is essential to understanding its role in Florida's auto insurance framework.