There are two reasons Jim is not covered by Pete's PIP:

They are traveling out of state so there is no coverage unless you are in your vehicle.  You are not covered in an unowned vehicle when you are outside of FL.

Also, Jim is not a resident of Pete's household, so even if they were in FL, Jim would not be able to use Pete's PIP - he would have to use his own.

Please let me know if this is still unclear to anyone.

Jan