What Does Florida’s No-Fault Insurance Law Mean?
Jason B. Goldman • June 29, 2021
If you live in a no-fault state like Florida, most people don’t understand what the term no-fault actually means. Specifically, the term no-fault applies to only one portion of a Florida automobile insurance policy – PERSONAL INJURY PROTECTION (otherwise known as PIP).
What Does No-Fault Insurance Do?
In Florida, which is a no-fault state, drivers are required to carry a minimum of $10,000.00 in PIP benefits, which pay your own medical bills, 60% of lost wages, mileage to and from medical providers. The primary purpose for no-fault PIP coverage is to allow anyone injured in a car accident to obtain immediate medical care if they need it. In states which do not have no-fault PIP coverage, oftentimes opposing insurance carriers in the same accident blame the opposing driver for an accident, and thereafter no injured parties can obtain medical care because no one has accepted responsibility for the accident. No fault PIP eliminates this scenario from occurring, because each injured person’s own insurance carrier pays their medical expenses regardless of fault. In addition to PIP coverage covering a driver in an accident, it can also be used in some circumstances for the benefit of a passenger, bicyclist, or pedestrian.
What No-Fault Coverage Doesn’t Do?
No fault coverage doesn’t affect any other portion of your personal injury claim. A determination regarding fault for the accident will still need to be made if you are seeking injury compensation. If the opposing driver is completely responsible for an accident in which you are injured, then their insurance carrier is primarily responsible for compensating you for your injury claim. Moreover, the insurance carriers involved in an accident will determine their insureds levels of fault for an accident when proportioning out the costs for vehicle repairs, in that a 100% at-fault party’s insurance carrier will pay 100% of the property damage.
At Goldman, Tiseo and Sturges, P.A., we understand how frustrating it can be to deal with insurance claims, especially with rampant misconceptions and confused beliefs on the meaning of no-fault coverage. Our AV-rated lawyers offer results-oriented legal services to help you receive maximum compensation when you are injured in a car accident caused by another. Contact us in Port Charlotte, Punta Gorda, or Englewood at (941) 625-6666 for a free initial consultation with a personal injury lawyer.
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Accidents can happen in the blink of an eye—even when no one else is around. If you’ve accidentally hit a parked car, whether in a busy grocery store lot or a quiet street in Charlotte County, it’s important to stay calm, take responsibility, and follow the proper legal steps. 1. Stop Immediately Florida law is clear: leaving the scene of any accident involving property damage—even if the vehicle was unoccupied—is a crime. Pull over safely and remain at the scene. Leaving without following the proper steps could result in a misdemeanor charge. 2. Make a Reasonable Effort to Locate the Owner If the owner of the parked car is nearby, wait and exchange contact and insurance information. If you’re in a business parking lot, you may ask inside to see if they can make an announcement. If you’re unable to find the owner, don’t panic—there’s a legal alternative. 3. Leave a Written Note Florida law requires that you leave a note in a visible spot on the damaged vehicle. Include your name, address, phone number, your auto insurance policy number, and a brief explanation of the accident. Be brief, honest, and straightforward. This shows good faith and helps prevent the situation from escalating into legal trouble later. 4. Report the Incident If the damage is significant or you’re unsure about the extent, contact the Charlotte County Sheriff’s Office or local law enforcement to file a report. Many insurance companies also require an official report for claims involving property damage. 5. Document the Scene Take photos of the damage to both vehicles, the location, and any contributing factors (such as obstructions or narrow parking spaces). This documentation will be valuable if questions arise from the other party or your insurer. 6. Notify Your Insurance Company It’s best to be proactive. Even if the other vehicle’s owner hasn’t contacted you yet, inform your insurance provider of the incident. They can walk you through the claims process and help assess any potential liability. Protecting Yourself Legally Accidents involving parked cars might seem minor, but they can quickly turn into legal headaches if not handled properly. In Charlotte County and throughout Florida, taking the right steps after a minor accident can protect you from costly penalties and keep the situation civil. Have Questions? We're Here to Help. At Goldman, Tiseo & Sturges, P.A. , we understand that even the smallest incidents can carry serious consequences. If you’ve been involved in an accident—or if someone damaged your parked car and left the scene—our experienced legal team is here to guide you. We proudly serve clients throughout Charlotte County and are committed to protecting your rights. Contact us today for a consultation. (941) 625-6666
In Florida, property owners, including grocery stores, are legally obligated to maintain safe premises for their patrons. This duty falls under the concept of premises liability, which holds property owners accountable for accidents resulting from unsafe conditions on their property. Common Causes of Grocery Store Slip and Fall Accidents Several factors can contribute to slip and fall incidents in grocery stores: Wet Floors: Spills, recent mopping, or water tracked in from outside can create slippery surfaces Obstructed Aisles: Items left in walkways or cluttered aisles can pose tripping hazards. Poor Lighting: Inadequate lighting may prevent customers from noticing potential dangers. Uneven Surfaces: Mats that are not properly secured or abrupt changes in floor levels can lead to falls. Establishing Negligence To hold a grocery store liable for a slip and fall injury, you must prove that the store was negligent. This involves demonstrating that: Duty of Care: The store had a responsibility to ensure a safe environment for its customers. Breach of Duty: The store failed to address or warn about a hazardous condition. Causation: This failure directly resulted in your accident and subsequent injuries. Damages: You suffered actual damages, such as medical expenses or lost wages, due to the injury. Steps to Take After a Slip and Fall Incident If you experience a slip and fall in a grocery store, consider the following actions: Seek Medical Attention: Your health is the top priority. Ensure you receive appropriate medical care. Report the Incident: Inform the store management about the accident and ensure it's documented. Gather Evidence: Take photographs of the hazard, your injuries, and collect contact information from any witnesses. Consult a Personal Injury Attorney: An experienced attorney can guide you through the legal process and help determine the viability of your claim. How Goldman, Tiseo & Sturges Can Assist At Goldman, Tiseo & Sturges, P.A., we understand the complexities of premises liability cases. Our dedicated team is committed to advocating for your rights and ensuring you receive the compensation you deserve. If you've been injured in a slip and fall accident, contact us for a consultation to discuss your case and explore your legal options.
A hit-and-run accident can be a terrifying experience, leaving victims injured and unsure of their next steps. In Charlotte County, where thousands of these incidents occur each year, knowing how to respond can make all the difference in protecting your rights and securing the compensation you deserve. Immediate Steps to Take After a Hit-and-Run If you’ve been the victim of a hit-and-run accident, taking the right actions is crucial for your safety and legal case: Ensure Your Safety – If possible, move to a safe location and check yourself and any passengers for injuries. Call 911 – Reporting the accident to law enforcement is essential. A police report will serve as vital evidence in your case. Gather Information – Take note of anything you can remember about the fleeing vehicle, including its make, model, color, license plate (if visible), and direction of travel. Document the Scene – Capture photos of your vehicle, the surrounding area, and any damages or injuries. Look for Witnesses – If anyone saw the accident, get their contact information. Their testimony may help law enforcement track down the driver. Seek Medical Attention – Even if you feel fine, some injuries may not be immediately apparent. Seeing a doctor helps document your condition for any future claims. Notify Your Insurance Company – Florida law requires drivers to carry Personal Injury Protection (PIP) insurance, which may cover some of your medical expenses. However, navigating insurance claims can be complex, so proceed with caution. Consult a Personal Injury Attorney – An experienced attorney can help you explore all legal options, including uninsured motorist coverage or pursuing other avenues for compensation. Understanding Charlotte County Hit-and-Run Laws Under Florida law, leaving the scene of an accident is a serious offense. If the driver is identified, they may face criminal charges, including fines, license suspension, and even imprisonment. Victims of hit-and-run accidents in Charlotte County have legal options, but proving fault and securing fair compensation requires strategic legal guidance. How GTS Law Firm Can Help At GTS Law Firm, we understand the complexities of hit-and-run cases and are committed to fighting for the rights of accident victims in Charlotte County. Our team will investigate your case, gather evidence, and advocate for the compensation you deserve for medical expenses, lost wages, and pain and suffering. If you or a loved one has been injured in a hit-and-run accident in Charlotte County, don’t navigate the legal process alone. Contact GTS Law Firm today for a consultation and let us help you secure justice. (941) 625-6666
Florida’s beautiful landscapes and year-round sunshine make it an ideal destination for recreational vehicle (RV) enthusiasts. Whether you’re driving an RV, riding an ATV, or operating a personal watercraft, these activities come with risks. When accidents happen, understanding your legal rights is crucial to ensuring you receive the compensation and support you deserve. Common Causes of Recreational Vehicle Accidents Recreational vehicle accidents can occur for a variety of reasons, including: Driver Negligence – Speeding, distracted driving, or operating a vehicle under the influence significantly increases the risk of an accident. Lack of Proper Training – Many recreational vehicles require specialized knowledge to operate safely. Inexperience can lead to serious crashes. Mechanical Failures – Poor maintenance or defective parts may contribute to accidents, making manufacturers or rental companies potentially liable. Dangerous Road or Waterway Conditions – Unmaintained roads, unexpected debris, or hazardous weather conditions can create dangerous situations for recreational vehicle operators. Who is Liable in a Recreational Vehicle Accident? Determining liability in a recreational vehicle accident depends on the circumstances surrounding the crash. Possible responsible parties may include: The Operator – If reckless or negligent behavior caused the accident, the driver may be held liable. The Vehicle Manufacturer – If a defect or mechanical failure contributed to the accident, the manufacturer could be responsible. A Rental Company – If the RV or recreational vehicle was not properly maintained, the rental company may be at fault. Another Negligent Party – Other motorists, property owners, or even local municipalities may bear responsibility if their actions contributed to the accident. Steps to Take After a Recreational Vehicle Accident If you or a loved one has been involved in a recreational vehicle accident, taking the right steps can protect your legal rights: Seek Medical Attention – Your health and safety come first. Even if injuries seem minor, getting checked by a medical professional is crucial. Document the Accident – Take photos of the scene, the vehicle(s) involved, and any visible injuries. Collect contact information from witnesses. Report the Incident – Notify the appropriate authorities, such as law enforcement or park officials, depending on where the accident occurred. Avoid Speaking with Insurance Adjusters Alone – Insurance companies may try to minimize your claim. Consult an attorney before providing statements. Contact a Personal Injury Attorney – An experienced lawyer can help assess your case, determine liability, and pursue the compensation you deserve. How GTS Law Firm Can Help At GTS Law Firm, we understand the complexities of recreational vehicle accident claims. Our team is dedicated to advocating for victims and ensuring they receive the financial support necessary for medical bills, lost wages, and pain and suffering. If you or a loved one has been injured in a recreational vehicle accident, don’t navigate the legal process alone. Contact GTS Law Firm today for a consultation and let us help you protect your rights. (941) 625-6666