What Does Florida’s No-Fault Insurance Law Mean?

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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