PIP and no-fault insurance are the same thing in Florida.

The no-fault law did sunset as of October 1, 2007 however you can still keep your personal injury protection (PIP) coverages if you already have them and still obtain them if you did not yet have PIP by October 2007.

The requirement for PIP expired on October 1st. Florida became a tort state in accidents IF all parties do not have PIP coverage. Until January 1, 2008 lawmakers say, no-fault will continue to apply only when all drivers in an accident have PIP coverage.

The bill to restore Personal Injury Protection, also referred to as no-fault or PIP passed the House, 105-4, early Friday (October 5, 2007) and later in the day was passed unanimously by the Senate. Governor Crist signed the bill into law October 11, 2007. The bill to reinstate PIP took effect January 1, 2008.

According to the Florida insurance regulator until January anyone who already has PIP coverage will keep it unless his or her policy expires. Even if your policy does expire you should be able to keep PIP if you advise your agent that you want to do so since as of January 1, 2008 it will once again be required. Thus yes, for your own convenience you should be able to carry PIP during the next 3 months even though it is not required by FL law.

There was no requirement for drivers to have PIP between October 1, 2007 and December 31, 2007. Many drivers that purchased policies prior to October 1st though will continue to have the coverage in the interim. PIP coverage could still cover injuries, but drivers will not have protection from a lawsuit if they are in an accident with a driver without PIP. That is why it is advised that you have Bodily Injury Liability and Uninsured/Underinsured Motorist Bodily Injury coverages.