How does Florida’s “no-fault” auto insurance system work?

Categories: FAQs

Florida’s “no-fault” car insurance system prevents relatively minor auto accident cases from going to court. Every driver must purchase Personal Injury Protection (PIP) insurance covering at least $10,000 in personal injury expenses arising from the driver’s own injuries (with a 20 percent deductible). Florida drivers are not legally required to purchase insurance covering their liability to parties whom they injure – each party pays for his or her own injuries. If the no-fault system applies to your accident, you are not allowed to file a lawsuit or a claim against the at-fault party’s insurance policy. Florida’s no-fault system does not apply if your injuries are serious enough. To exit the no-fault system, your injuries must be:

  • debilitating;
  • involve permanent scarring or disfigurement; or
  • involve permanent loss of an important bodily function.

Once you exit the system, you may file a lawsuit against the at-fault party or a third-party claim against his or her insurance policy (if applicable).

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About the Author: Brian D. Guralnick

Brian D. Guralnick has been successfully representing injured accident victims in Florida since 1993. He has been voted “Best of the Best” personal injury lawyer by the Palm Beach Post for multiple years. If you have been injured in any type of accident, please call Brian and his team 24/7 at 561-202-6673.