Florida No Fault Car Insurance: Important Facts About Coverage

There is much confusion about what it means to drive in a “no fault” state like Florida. Yet, understanding the law is crucial in the selection of Florida no fault car insurance. In basic terms, your insurance company will pay for your medical bills following an accident — even if it was the other driver’s fault. This saves you from worrying about pursuing litigation or dealing with uninsured motorists.

Property Damage Liability Car Insurance In Florida

  • Everyone who owns a vehicle in Florida must carry at least $10,000 in Personal Injury Protection.
  • PIP benefits are paid to you by your own insurance company if you get into an accident.
  • The fact that Florida is a “no fault” state means that your insurance provider will cover you.
  • The other driver will be covered by his or her own insurance — even if you caused the accident.
  • In Florida, PIP will pay up to 80% of your medical bills and 60% of your lost wages — up to $10,000.
  • However, you could use up your limits while you are still recovering in the hospital — and have to pay the rest out-of-pocket!

Full Florida No Fault Car Insurance Coverage

In order to have FULL coverage, you will need to purchase several insurance add-ons with your policy:

  • Bodily Injury Liability Coverage – You can get at least $10,000 per injury claim to limit your personal risk. This protects you in the event that you cause a person’s death or permanent injury. Anyone who has been convicted of a DUI must carry this type of coverage.
  • Uninsured / Underinsured Motorist Coverage – This coverage can stand in the place of Bodily Injury Liability coverage if the person who caused injury or death to someone in your vehicle does not have the money or insurance to satisfy your injury clam. Even though Florida is a no-fault state, there are certain cases where extreme negligence is warranted by legal action.
  • Collision Coverage – Collision insurance covers your vehicle for theft, vandalism and acts of nature.
  • Rental Car Coverage – If your car is wrecked in an accident, you can have a rental car paid for by your insurance company until your vehicle is repaired.

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florida no fault car insurance