Florida has a no-fault insurance system, which means that after an auto accident, your insurance pays for your medical bills—no matter who was responsible for the crash. However the system is not without limitations, and victims of some accidents can sue the party at fault.
How Florida’s No-Fault System Operates?
1. Personal Injury Protection (PIP) Coverage
All drivers in Florida are required to have at least $10,000 in PIP coverage by statute.
PIP covers:
- 80% of medical expenses
- 60% of lost wages
- Up to $5,000 in death benefits
2. Who Can Sue After a Car Accident?
As a rule in Florida, you can bypass the no-fault system and sue the party responsible for your injuries if they meet the threshold for serious injuries, which include:
- Permanent injury or disability
- Extensive scarring or disfigurement
- Loss of bodily function
3. Why Fault Still Matters?
Although Florida is a no-fault state, fault determination can affect:
- Property damage claims (not covered by PIP).
- Lawsuits for catastrophic injuries that surpass PIP limits.
4. What to Do After an Accident in a No-Fault State?
- Get medical care within 14 days to be eligible for PIP benefits.
- Notify your insurance company of the accident.
If injured seriously, speak with a personal injury attorney to discuss legal remedies.
Bottom Line!
Florida no-fault insurance regulations assist the victims of accidents in obtaining rapid medical coverage but restrict payment for severe injuries. If your medical expenses are greater than PIP coverage, consulting a personal injury lawyer in St. Petersburg will assist you in pursuing additional damages.
This post was written by Kelly-Ann Jenkins of https://www.jenkinslawpl.com/. Kelly-Ann is an insurance claim Lawyer. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your situation.
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