Understanding Florida’s No-Fault Car Insurance Laws

Florida is unique in terms of its tropical location, gorgeous year-round weather and somewhat seasonal population. As the roadways begin to see more traffic and congestion in the winter months, you’ll likely notice another factor that makes Florida unique from other states in the US – its no-fault car insurance laws. Understanding these laws is crucial for any driver in Florida, as they significantly influence the process of claiming insurance and seeking compensation for damages or injuries. Here is everything you need to know about Florida’s motor vehicle laws pertaining to no-fault accidents and resolutions.

What Are No-Fault Laws

No-fault laws, as implemented in the state of Florida, are designed to reduce the need for litigation after a car accident. Under these laws, drivers are required to carry their own insurance to cover personal injuries and certain losses, regardless of who is at fault in the accident. This system aims to provide quicker payouts for injuries and lost income and to decrease the burden on the court system.

Driver Mandatories

In Florida, the no-fault law requires drivers to have Personal Injury Protection (PIP) insurance as part of their auto insurance policy. This coverage is crucial in that it allows drivers and their passengers to receive immediate medical treatment and compensation for lost wages, regardless of who caused the accident.

Most PIP insurance typically covers 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, regardless of who caused the crash. This may include lost wages if you’re unable to work due to injuries caused by the accident. In the extreme event of a fatality, PIP may provide a death benefit.

When Can You Step Outside the No-Fault System

Florida law allows you to pursue a claim against another driver if the injuries are considered serious under the law. This typically includes situations where the victim has sustained permanent or other significant injuries and obviously, death. If damages surpass the $10,000 limit provided by PIP coverage, the insured party has the right to pursue legal action.

Hiring the Best Personal Injury Attorneys in Southwest Florida 

If you have been injured in a car accident in Southwest Florida, trust Bonaquist|Allen. Bonaquist|Allen is located in the heart of Naples and is the right firm to ensure you receive the justice you deserve. 

With over 40 years of experience in the Southwest Florida court system, our attorneys know the legal system inside and out. As long-standing members of the community, our attorneys  have the right connections and critical insights you need to win your case.

The Bonaquist|Allen law firm prides itself on professionalism. Our attorneys are easy to reach, and as a boutique firm, they will make sure your case is their top priority. Bonaquist|Allen meets every client and every case with compassion and understanding. The firm’s main goal is to make sure you return to your family, work or simply just your regular routine.

Our attorneys are members of numerous civic and professional boards and associations such as the Collier County Bar Association, Collier County Women’s Bar Association, Florida Justice Association, the Federal Bar Association, the Collier Building Industry Association and Leadership Collier Foundation – just to name a few.

 If you’re looking for the best personal injury attorneys in Naples, Florida contact Bonaquist|Allen today at 239-276-7127 or by visiting BonaquistAllenLaw.com.