Florida Insurance Group
11531 Lake Underhill Road
Orlando, FL 32825

Text: 407-418-1928

Fax: 407-277-9777


What Does Florida’s “No-Fault” Insurance Law Mean?


Florida is a “No-Fault” insurance state for auto insurance, and many drivers misunderstand what this actually means. It does not mean that you are off the hook if you cause an accident. You can still have a claim filed against you if you are at fault for your crash.


What The Law Does Say

Every motorist in Florida must have, at a minimum, $10,000 of PIP (Personal Injury Protection) coverage. This PIP coverage is used to cover medical bills and lost wages you may suffer in an accident, no matter who is at fault.

When a car accident occurs in a No-Fault state, both drivers file a claim with their own insurer to have their medical and other costs covered. For contrast, in an “at-fault” state, the driver may file a claim with other driver’s insurer, or sue the other driver to prove fault and to determine who is responsible for paying the damages.


Exceptions to The Law

In certain circumstances, a driver can directly sue the other driver if the other driver is at fault. If the driver suffers a permanent injury as a result of the accident, they are exempt from the “No-Fault” statute and may be able to bring a claim against the other motorist for medical bills, lost wages, and intangible damages like pain and suffering.


Protect Yourself In The Event of an Accident

It is essential to have the right coverage if you are ever in a car accident. We can help you select the best auto insurance in Orlando, FL and throughout the state of Florida. Contact the Florida Insurance Group today or get a quote online to view your options.