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Sunday, September 15, 2019

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What Does it Mean for Florida to be a No-Fault State?

Miami, Florida, US

With the exception of New Hampshire and Virginia, every state in the union mandates that a driver must have insurance. Florida is one of only 12 states that has a no-fault insurance law. Simply put, the law means that when you have a car accident in the Sunshine State, your own insurance company is responsible for paying the bill, regardless of fault. No-fault insurance dates back to the 1960s when drivers, insurance companies, and law enforcement officers began discussing ways to make insurance claims less time-consuming. In the 1970s, legislation was introduced in a few states to offer no-fault insurance.

How Much Insurance do you need?

A driver in Florida must be covered for $10,000 of property damage and $10,000 for personal injury protection (PIP). Most insurance companies will recommend that you buy more. You can also get bodily injury liability insurance. Although Florida is a no-fault state, a driver can still be sued if they cause serious bodily injury to another person. Bodily injury liability insurance will help to cover these expenses. Personal injury protection pays 80% of medical bills and 60% of time off of work.

What if you Have an Uninsured Accident?

If you have an uninsured accident in Florida, you may have your driver’s license, vehicle registration and tags suspended. Because you are in a no-fault state, you will be liable for your bills. If you have been hit by an uninsured driver, you will want to talk to your lawyer about suing the at-fault party.

Consulting with a Lawyer

It is always worth it to talk to an attorney when you have had an accident. The consultations are almost always free, and the lawyers work on a contingency basis. Be sure to bring the accident report, copies of any medical bills, documentation of time off of work, and documentation of any life events you have missed due to your injury. Insurance companies are tight-fisted, and they are going to try their best to pay you less than you deserve. They employ entire departments of top lawyers to make sure their money stays with them. It is important to be able to have a qualified personal injury attorney to represent you.

What Information an Attorney Needs

Be sure to bring the accident report, copies of any medical bills, documentation of time off of work and documentation of any life events you have missed due to your injury. Tell your attorney everything you can remember about the accident and always be completely honest.

Car Accident Lawyer in Tampa      

There are many personal injury attorneys in Florida and choosing the right one for you can be difficult. The professionals at 1800-Injured.com can help you to find the perfect attorney for your case. 1800-Injured is an attorney and medical referral service that can connect you with a personal injury attorney for a free consultation.


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Anna Papadopoulos
Editor, writer, teacher, consultant. Advocate for plain language, journalism, free speech, and tolerance. Feminist. Based in Sydney, Australia.
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