Okay confusing situation, my sister and I got into an accident yesterday, the car is on her insurance, (she has full coverage). It wasn't until today that my neck started bothering me. So I am going to the doctor. I called her insurance company, they knew I was a passenger and they said that I needed to go to my insurance company because the PIP on my insurance would cover me in the accident (we are in Florida) I explained the problem with that is that I was actually in the car on the way to register my new car I just got yesterday and on my way to get insurance, and prior to that I did not have insurance. That my last car I just sold a week ago and it was still in my name but I dropped insurance because I was just waiting to receive a duplicate title in the mail so that I could sign it to the new buyer since I lost the original, but now she is telling me she doesn't know if my sisters insurance will cover me even though I was in the car, how does this work in the state of Florida?