How does Florida no-fault accident work?

Asked by: Elwin Mitchell  |  Last update: November 1, 2023
Score: 4.3/5 (41 votes)

What is No-Fault Law? The Florida No-Fault Motor Vehicle Law requires drivers to carry Personal Injury Protection (PIP) coverage as part of their auto insurance; this No-Fault coverage pays the insured's bills, regardless of fault, up to the limit of the insurance (minimum limit is $10,000).

Who pays for car damage in Florida no-fault law?

Due to Florida's no-fault laws, your insurance will pay for your auto repair after an accident you did not cause in Florida. However, if the costs of damages exceed your policy limits, you may qualify to recover additional compensation elsewhere.

How does Florida no-fault auto insurance work?

» Frequently Asked Questions » Car Accidents » Is Florida a No-Fault State? Florida is a no-fault automobile insurance state. This means that drivers must carry personal injury protection insurance (PIP) to pay for their medical expenses and other accident-related damages, regardless of who caused the collision.

What does no-fault insurance cover in Florida?

Under Florida's current no-fault law each policyholder is required to have $10,000 in personal injury protection, or PIP as it's more commonly known. This coverage pays medical expenses incurred by the insured regardless of who's at fault in the accident, hence the term “no-fault.”

Do insurance rates go up after no-fault accident Florida?

Now that you understand that no-fault does not mean that each driver is blameless, remember that insurance companies cannot raise your rates unless you are “substantially at fault” – more than 50%.

What is Florida No-Fault Insurance or PIP?

44 related questions found

How long does at fault accident stay on insurance record in Florida?

In Florida, however, a crash goes on your record if you were issued a traffic citation as a result of the accident. Most stay on your record for three to five years, according to the Florida Department of Highway Safety and Motor Vehicles.

How long does it take for an accident to come off your insurance in Florida?

How long does an accident stay on your insurance? Most insurance companies in Florida will review your driving record from the previous three to five years. So, an accident can stay on your insurance for up to five years. Although, if you get into future accidents, it will extend the time it remains on your insurance.

Who pays for car damage in Florida?

Generally speaking, your property damage costs will be paid by your insurance company. However, if the other driver was at fault and you suffered significant injuries in addition to property losses, you can seek reimbursement through the other driver's insurance company.

What is a no-fault deductible Florida?

Florida's No-Fault Accident System

In no-fault states, you don't pay a deductible to cover the costs of your accident, but you might have to cover a percentage of the total cost. You may also have to seek additional forms of compensation if you reach your policy limit.

Is no-fault going away in Florida?

In March 2023, a new PIP bill was introduced in the Florida Senate (SB 586) and the House (H 429). This time, it proposed major changes to the Florida motor vehicle insurance landscape. First and foremost on the agenda: remove the “no-fault” system from Florida's required auto insurance coverage.

What are the two types of insurance for Florida's no-fault law?

The Florida No Fault Insurance Law requires you to have both Personal Injury Protection (PIP) and Property Damage Liability (PDL) insurance. Covers the cost of your injuries regardless of who is at fault for the accident.

What are the two required insurance coverage to comply with Florida's no-fault law?

General Information. Before you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance.

Can someone sue me for a car accident Florida?

Can someone sue you personally after a car accident? In Florida, a person injured in a car accident is entitled to sue the at-fault driver and the owner of the at-fault driver's vehicle.

What happens when car accident claim exceeds insurance limits in Florida?

If your losses from a car accident exceed the other driver's insurance limits, you have a closing window in which to file a lawsuit and pursue additional compensation. Under Florida Statutes, you have four years from the accident to file suit against any at-fault parties.

How do car accidents work in Florida?

Florida is a no-fault state. This means drivers recover compensation for car accident injuries from their own required Personal Injury Protection (PIP) coverage after most crashes.

Is Florida a no-fault state for uninsured motorist coverage?

Collecting damages from uninsured drivers

Florida is a no-fault state. This means your auto insurance company should pay the majority of your auto accident claim, up to a $10,000 limit. If the other driver is at fault, that driver's insurance company will cover the remaining 20 percent.

Who pays medical bills after accident in Florida?

Florida's no fault laws require you to go through PIP first, but that's not your only recourse. After you've made a PIP claim, you can file a personal injury lawsuit against the other driver's insurance company; they are the party who most commonly pays medical bills after a Florida car accident.

Do I have to pay my deductible if someone hits me in Florida?

In the State of Florida, you have to pay your deductible even if the accident was not your fault.

Who decides the dollar value of the damages of a crash in Florida?

In the rare event that a car accident lawsuit goes to trial, the jury will be asked to calculate two things based on the evidence: the total dollar amount of the plaintiff's damages, and. the percentage of fault that each party bears.

How long do you have to see a doctor after an auto accident in Florida?

Time Limits for Seeing a Doctor After a Florida Car Crash

After an accident, victims have 14 days to make an appointment with a doctor in Florida, according to state law. Failure to meet the 14-day deadline may preclude someone from the full benefits of a Personal Injury Protection (PIP) insurance policy.

How many days does an insurance company have to pay a claim in Florida?

Florida law regulates the settlement check timeline in Florida. Once you agree to a settlement in writing, the insurance company must tender payment within 20 days unless both parties agree to a different date. Insurance adjusters can state that payment is conditional on signing a release of all claims.

Do all accidents show up on your driving record Florida?

According to the Florida Department of Highway Safety and Motor Vehicles' driving record FAQ page, evidence of car accidents will only go on your complete driving record if you were issued a citation, i.e., you were at fault. Evidence of the crash has the same retention as an associated guilty disposition.

What is the statute for auto accident in Florida?

Section 316.065, Florida Statutes, requires the driver of a vehicle involved in a crash involving injury or death to a person, or at least $500 estimated vehicle or property damage to immediately contact local law enforcement.

Does insurance cover the car or the driver in Florida?

This is because, in Florida, car insurance follows the vehicle first and the driver second. So, if you allow someone else to drive your car and they get into an accident, your insurance policy will cover that driver and your vehicle, even if they are at fault.