Understanding No Fault Auto Insurance, liability, injuries and PIP coverage in Florida and how that affects parties in car accidents can be complicated.
Florida is a “No-Fault” insurance state when it comes to automobile liability insurance. This can be quite a confusing topic.
There is a common 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.
Facts about No Fault Auto Insurance, Liability, Injuries and PIP Coverage in Florida:
- Florida is a “no fault” insurance state
- The at-fault party can be sued and held liable for injuries
- Florida Law requires motorists to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage.
- PIP covers medical bills and lost wages suffered by drivers, regardless of who is at fault
- Parties involved in car accidents submit their medical costs and losses to their insurance company
- Treatment within 14 days of an accident is required to receive PIP coverage.
Our Tampa Personal Injury Lawyers are ready to answer your questions about no fault auto insurance, liability, injuries and PIP coverage in Florida.
Call or Text us today at 813-489-3222 for a FREE Consultation and case evaluation with a Tampa Car Accident Lawyer.
