What Does Florida’s No-Fault Auto Insurance Law Mean For Car Accident Victims?
Florida is considered a “no-fault” auto insurance state. This does not mean that drivers can’t be held responsible for causing a car accident. Rather, it is an auto insurance issue that is intended to help those who have been in car accidents quickly obtain insurance money to help pay for medical bills and property damage.
Under state law, all drivers are required to carry at least $10,000 in Personal Injury Protection (PIP) auto insurance. If you are involved in an accident, you can file a claim with your own insurance provider to help pay for any expenses incurred. The intent was to help speed up payments to injured parties without having to go through a legal battle to determine fault and then work with the other insurance company to get a payout.
No-Fault Does Not Mean No Claim
Just because Florida is a no-fault state does not mean a victim can’t file a claim against the other party. Drivers who caused a car accident in Florida can still be sued. PIP coverage only covers 80% of medical bills and 60% of lost wages or income and it only kicks in after the deductible has been met. In many cases, this is simply not enough compensation to cover all of the costs associated with the car accident and a car accident lawsuit may be pursued.
Another exception is if permanent injuries or death occurred. In that case, the one who caused the accident can be sued directly regardless of the no-fault coverage.
Meet With Our Florida Car Accident Attorney To Determine Your Next Steps
If you have been injured in a car accident, you may have basis for a claim, despite the state’s no-fault law. Contact The Beregovich Law Firm for advice and a legal assessment of your situation. You may be able to obtain additional funds to help pay medical bills, replace lost income, and repair or replace your car.
Call (800) 631-9009 or email us to arrange a consultation at your convenience.