remember.....PIP pays 80% of the medicals for resident relatives! Petes injuries: $8,000 x 80% = $6400 Son Jim's injuries: $5,000 x 80% = $4000 son's friend Joes injuries: not covered because you are out of state. if in the state of florida, would be covered only if the son/son'd family did not have PIP coverage. $6400 + $4000 = $10,400 MAX pip payout of $10,000 is per person hope that helps! good luck!