What are the two types of required insurance coverage with Florida's no-fault law?
Asked by: Ines Green | Last update: November 19, 2025Score: 4.8/5 (31 votes)
What are the requirements of the no-fault law in Florida?
Unlike many others, Florida is a no-fault automobile insurance state. This means that all drivers are required by law to carry personal injury protection (PIP) insurance and other coverages. This ensures that certain costs incurred as a result of an accident are covered, no matter who is at fault.
When according to Florida's no-fault law property insurance coverage must be maintained?
According to Florida's No-Fault Law , proper insurance coverage must be maintained : During your motor vehicle's registration period . Florida's No-Fault requires owners of motor vehicles must cover the below minimum Personal Injury Liability ( PIP ) insurance coverage : $10,000 Personal Injury Protection ( PIP ) .
What type of insurance is also known as no fault insurance?
Your no fault auto insurance is also known as personal injury protection (PIP) coverage and helps pay the costs of medical expenses for you and your passengers after a car accident.
What type of car insurance is required in Florida?
According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability insurance. You may have a deductible of up to $1,000 for PIP coverage and $500 for property damage liability.
How Does Florida’s No Fault Law Impact Your Personal Injury Claim?
What are the two types of insurance in Florida?
PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. PDL coverage pays for damage to another person's property caused by you or someone else driving your insured vehicle.
Do you need comprehensive and collision coverage in Florida?
Knowing which to buy, and when to bundle the two, could end up saving you lots of money in repairs, whether the damages were caused in a vehicle accident or not. Florida doesn't require you to have any comprehensive or collision insurance.
What are the different types of no-fault systems?
While the laws vary from state to state, the industry divides them into three basic types: "pure" or "true" no-fault, choice no-fault, and add-on no-fault.
Is PIP required in Florida?
In Florida, every motorist is required to carry a minimum of $10,000 in PIP coverage. This coverage extends to the policyholder, regardless of whether they were the driver or a passenger in the accident, and it also includes coverage for children and members of the household.
Which coverage is paid without regard to fault?
No-fault insurance is insurance that pays for health care services resulting from injury to an individual or damage to property in an accident, regardless of who is at fault for causing the accident. No-fault insurance may be found as part of: Automobile insurance policies.
What are the two types of required insurance coverage to comply with Florida's no-fault law Flvs?
Required Insurance Coverage Under Florida's No-Fault Law
In Florida, all drivers are required by law to carry personal injury protection (PIP) and property damage liability (PDL) coverage with their insurance policies.
Does Florida require property insurance?
Florida law does not require homeowners to have homeowners insurance. However, for most consumers, their home is one of their largest assets and insurance will help to offset the cost to repair or replace the home.
Why is Florida a no-fault insurance state?
There are specific purposes for the no-fault system in Florida and other states that follow these laws. They include providing quicker access to medical treatment and compensation for accident victims and personal injury protection (PIP) coverage.
Who pays for car damage in Florida no fault?
Florida is a no-fault state, which means each driver carries their own insurance to cover medical bills and car repairs up to a certain amount. More specifically,Florida Statutes § 627.736 requires drivers to carry PIP and property damage coverage policies of up to $10,000.
What is the difference between uninsured motorist and no-fault insurance?
Fault vs. no-fault: Uninsured motorist coverage is used when the other driver is at fault and does not have insurance. Collision coverage applies regardless of fault and can be used in any accident where your vehicle suffers damage from colliding with another object or vehicle.
What is the new insurance law in Florida in 2024?
Effective Date: July 1, 2024 with some provisions effective on May 13, 2024, the day Governor DeSantis signed the bill. Allows surplus lines insurance companies that meet certain financial requirements to take out policies from Citizens for dwellings that are not primary residences or homestead properties.
What is the new PIP law in Florida?
New Requirements for Florida Drivers
If passed, the new PIP law Florida changes will require drivers to show proof of mandatory bodily injury coverage before they may register a motor vehicle with the State.
Who is covered under PIP?
Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages for you and your passengers if you're injured in an accident. PIP coverage protects you regardless of who's at fault.
Can someone drive my car if they are not on my insurance in Florida?
Q: What if I lend my car to someone who doesn't have their own auto insurance? Your insurance will typically still cover the driver, as insurance follows the car in Florida. However, if they cause an accident, it could impact your insurance rates.
Is no-fault insurance full coverage?
No-fault insurance does not cover damage to your vehicle, unless you live in Delaware. Collision coverage (if you've added it to your policy) helps pay to repair your car if it's damaged in a crash with another vehicle. No-fault insurance does not cover vehicle theft.
Does Medicare cover auto accidents in Florida?
Under Florida law, auto insurance must cover up to $10,000 in medical costs for accident injuries. Medicare is a secondary payer in this case and will only cover the remaining amount exceeding $10,000.
What are the cons of no-fault insurance?
CONS: Fewer legal options: In most states, drivers with no-fault policies are restricted from suing unless the injuries meet a certain severity threshold. Potentially higher premiums: Some say no-fault insurance may lead to higher premiums due to more claims being filed.
Is hitting a mailbox comprehensive or collision?
Collision coverage also includes single car accidents like hitting a guardrail or hitting a curb. For example, if you hit a mailbox or fence post that leaves scratches down the side of your vehicle, collision coverage could cover the cost of repairs.
What is the cheapest car insurance in Florida?
Geico offers the cheapest full coverage in Florida, with an average rate of $2,138 per year according to NerdWallet's January 2025 analysis. Full coverage in Florida costs an average of $3,992 per year, or $333 per month. If you want the cheapest policy possible, get minimum coverage.
What is the minimum pip coverage in Florida?
Florida Requires All Drivers to Carry PIP Insurance
The current mandatory insurance requirements in Tampa and throughout Florida include: A minimum of $10,000 in PIP coverage. A minimum of $10,000 in PDL (property damage liability) coverage.