Home > Tampa Law Blog > Motorcycle Accident > Motor Vehicles That Are Not Required to Have PIP Coverage

Motor Vehicles That Are Not Required to Have PIP Coverage

These vehicles are deemed to not be “motor vehicles” and not required to maintain PIP coverage for the purposes of Florida Statute 627.733.

  1. Motorcycles – mainly due to the fact that they only have 2 wheels.  However you should note that a 3-wheeled vehicle has been deemed to be not excluded from the definition of “motor vehicle”.
  2. Motor Homes
  3. Vehicles for Mass Transit – these vehicles are defined as designed to transport more than 5 passengers exclusive of the driver and which is owned by a municipality, or transit authority or political sub-division of the State.

Please note that public school transportation is not on the list of vehicles excluded from being required to carry PIP coverage.

5.  Inoperable Vehicles – the owner of a motor vehicle which is not driven on the roads of Florida is usually not required to maintain insurance on that vehicle.  Sometimes there are questions as to whether a vehicle is inoperable for purposes of being exempt of carrying PIP.   The following are a list of factors to be taken into consideration in determining whether a vehicle is inoperable for purposes of maintaining PIP under Florida Law:

  1. The inoperability of the vehicle (how bad is the vehicle).  Such as, does it simply need a spark plug?  Does it simply need to have it’s battery replaced or does it need to be jump started or whether the car is physically unable to be driven for a  more extensive reason such as property damage.
  2. That the vehicle was in storage before the repair.
  3. The owner is subjective intent to maintain the vehicle for use on public roads;
  4. Whether the insured allowed the coverage to lapse because of the vehicles inoperability; and
  5. Whether the inoperable vehicle was registered and licensed at the time it became inoperable also facts that have been considered.

 

If you have been involved in a crash with one of these vehicles and sustained an injury – you may be eligible for financial compensation. Contact a Tampa auto accident attorney from Chris Ligori & Associates today for a free consultation.

Chris Ligori


Chris Ligori is a top personal injury attorney, fighting for victims in cases from car accidents to wrongful death. A former prosecutor and insurance defense lawyer, he uses insider knowledge to secure justice. With over 100 trials to verdict, Chris is a trusted advocate and sought-after legal expert.