Question

What does the no-fault law require?

Answer 1

Florida is a “No-Fault” insurance state as it relates to automobile liability insurance.  This is an often misunderstood topic. Drivers who may have caused an automobile accident in Florida and had a claim brought against them sometimes wonder how those claims were allowed if Florida is a “No-Fault” state. Those drivers incorrectly believe that because we are a “No-Fault” state, they can’t be sued for injuries they cause in an accident.  Under Florida law, every motorist is required to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage.  A driver’s PIP coverage, as this type of insurance is most often known, is to cover medical bills and lost wages the driver may suffer in an accident, no matter who caused the accident. When a crash occurs, each person involved in the crash turns to his or her own insurance company to pay the costs of medical care and other losses. By contrast, in an “at-fault” state, drivers may choose to file a claim with their own insurer of a claim with the other driver’s insurer, or file suit against the other driver to prove fault t determine the one responsible to pay the costs of the accident.

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