Which of the following is not a benefit under Personal Injury Protection (PIP)?

The correct response to identify which option is not a benefit under Personal Injury Protection (PIP) pertains to the nature of coverage provided under Florida's PIP laws. Specifically, PIP provides certain benefits to individuals for medical costs, lost wages, and death benefits resulting from automotive accidents, with defined reimbursement percentages.

In Florida, PIP covers medical expenses at an 80% reimbursement rate, which accurately reflects how medical claims are processed under this coverage. Similarly, it also compensates for work loss at 60%, allowing individuals who can't work due to an accident to receive some financial support. A death benefit of $5,000 is also included, which compensates the beneficiaries of a deceased individual due to an auto accident.

In contrast, the mention of replacement services paid at 90% does not align with PIP benefits as governed by Florida law. The replacement services provision typically covers expenses for help that an injured person would normally provide for themselves, such as household tasks, but it generally offers reimbursement at a lower percentage than suggested in this option. This discrepancy is what disqualifies it from being considered a standard benefit under PIP. Thus, identifying replacement services paid at 90% as not a benefit under PIP is accurate and highlights a