Understanding Florida's No-Fault Car Insurance System: What You Need to Know

Florida operates under a no-fault car insurance system. This means that after an auto accident, your own insurance coverage, known as Personal Injury Protection (PIP), pays for your medical bills and other financial losses, regardless of who caused the accident. This system is designed to make the claims process more efficient, but it comes with certain limitations.

While PIP covers 80% of your medical expenses and 60% of lost income up to your policy limits, it does not compensate for non-economic damages such as pain and suffering. To pursue a claim for these types of damages, your injuries must meet Florida’s "serious injury" threshold. This includes significant and permanent loss of an important bodily function, permanent injury, significant and permanent scarring or disfigurement, or death.

To register and drive a vehicle in Florida, you must have at least $10,000 in PIP coverage and $10,000 in Property Damage Liability (PDL) coverage. While Florida does not require bodily injury liability (BIL) coverage, it’s highly recommended. Without BIL, you could be personally responsible for the medical expenses of others if you cause an accident.

PIP benefits extend beyond the policyholder. They cover the policyholder's children, household members, and most passengers who do not have their own PIP coverage. It also applies to the policyholder as a pedestrian or bicyclist involved in a car accident.

To receive PIP benefits, you must seek medical treatment within 14 days of the accident. Failing to do so can result in losing your right to these benefits. It’s crucial to visit an emergency room, see your doctor, or receive valid medical care immediately after the accident to ensure your expenses are covered.

In Florida, vehicle owners must carry:

While not mandatory, adding BIL coverage to your policy is prudent to protect yourself from potential lawsuits.

If you or a loved one has been injured in a car accident, understanding your insurance coverage and legal options is crucial. Contact Quattrochi, Torres, and Taormina today to schedule a free consultation. Use the chat function on our website to get started.

Discover how Florida's no-fault car insurance system works and how it affects your injury claim. Learn more from the experienced attorneys at Quattrochi, Torres, and Taormina. Call for a free consultation.

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