Florida is a "No-Fault" insurance state when it comes to automobile liability insurance. This can be quite a confusing topic.
There is sometimes a misconception that because Florida is a "No-Fault" state, that the at-fault party cannot be sued and held liable for the injuries that they caused in an auto accident. This is incorrect.
Under Florida law, every motorist is required to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage.
PIP coverage is to cover medical bills and lost wages that each driver may suffer when in an auto accident, no matter who was at-fault.
When a car accident occurs, each party involved turns to their own insurance company for medical costs and other losses up to $10,000.
In order for your PIP coverage to kick in, you will need to seek treatment within 14 days of the auto accident. If not, there will be no PIP coverage applied.
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