Florida is one of the states that follow no-fault laws for car accidents. It’s important to know what this means and how it affects you.
What does no-fault mean?
The no-fault insurance system means that in the event of a car accident, you generally cannot file a claim for damages against the other driver. Instead, your claim must be made against your own car insurance policy. Compensation for your medical expenses and vehicle damage always comes from your own insurance.
Drivers must also carry personal injury protection or PIP coverage. It covers you and other people for damages when your standard car insurance won’t cover all the costs of medical expenses. PIP can also cover the costs of lost wages if you have to miss time from work due to personal injury.
When you get PIP coverage, you are required to get $10,000 worth of benefits. Property damage liability benefits in the same amount is also required in Florida and can cover you if you have an accident that results in damage to another vehicle or other property.
Who is covered by your no-fault policy?
Your no-fault car insurance coverage and PIP coverage are designed to cover not only you, the policyholder. In addition, anyone who is a member of your household is covered. This includes your spouse, your children and passengers in your vehicle if you end up in an accident. Your PIP policy will also cover you if you’re injured while in someone else’s vehicle or if you’re injured as a pedestrian or while riding a bicycle.
Even though Florida is a no-fault state, if you are seriously injured in a car accident caused by another driver and sustain significant damages, you can file a personal injury lawsuit against the motorist if their negligence caused the crash.
No matter what, immediately seek medical attention after a car accident. Your health comes first.