Which of the following statements about PIP coverage is true?

PIP, or Personal Injury Protection, coverage is considered primary because it is designed to cover medical expenses and certain other costs for you and your passengers, regardless of who is at fault in an accident. This means that when an accident occurs, your own PIP policy will pay for your medical bills and related expenses up to the limits of the coverage you have, without the need to claim against another driver's insurance first.

This primary position is crucial in Florida, where PIP is required for most personal auto insurance policies. By having primary coverage, PIP ensures that injured parties receive medical attention quickly without the delays that can occur with fault-based claims.