FL PIP

[MargaretMort]

I have a client who wants to know if the PIP required of Florida auto owners is deductible as a medical deduction on Sch. A. I said no but pulled out my auto insurance and read what it said about PIP. Now I am wondering.

Thanks for your input. MM

[kcjenkins]

No idea, but TaxBilly is from FL. why not send him a PM. I bet he knows.

[jainen]

>>PIP required of Florida auto owners is deductible<<

In my opinion, auto insurance never qualifies as a deductible medical expense. Personal Injury Protection covers all occupants of a car, not just the taxpayer's family.

[MargaretMort]

Jainen, that was my thinking also. I was hoping Taxbilly would see this and respond because I am sure this would be discussed at CPE classes. While I also live in FL, I am a "fur" piece from where most of the local courses are held.

I told the client I felt the answer would be no but told him I would check. Quite frankly, the question has never come up at any CPE courses I have taken. Always has to be a first. MM

[TAXBILLY]

A Schedule A deductible medical insurance premium would be one that covers the taxpayers and dependents. PIP also covers, as j says, everyone in the vehicle, and so that would make it non-deductible since it is not separately stated as to how much the premium is for others. See page ten of Pub 502.

taxbilly

[OldJack]

Seems to me that Personal Injury Protection insurance is a liability insurance and not a medical insurance.