Ronald,

Broadened PIP provides family PIP coverage to someone who does not own an vehicle.  Remember that PIP covers resident relatives.  In the case of an insured driving a non-owned vehicle, the family would not be covered.  Broadened PIP allows for this coverage.

Your PAP allows some coverage when you are driving other cars, i.e. a rental car. When an insured does not have a PAP because they do not own a vehicle, the Drive Other Car endorsement provides coverage for use of vehicles which the employee does not own.

I hope this helps.

Jan