In this article, we focus on Florida's car insurance laws and coverage requirements, including:
Florida follows a "no-fault" system when it comes to injury claims after a car accident. Drivers are required to carry auto insurance that pays personal injury protection (PIP) (often known as "no-fault") benefits.
When the policyholder (or anyone else covered under the terms of the policy) is injured in a car accident, PIP pays medical expenses and certain non-medical costs associated with the accident, up to PIP coverage limits.
By contrast, in a "fault" or "liability" state, anyone injured in an accident can file a liability insurance claim or even a car accident lawsuit against the at-fault driver.
Learn more about how no-fault car insurance works.
All Florida vehicle owners are required to carry minimum PIP benefits in their policies. These benefits kick in regardless of who was at fault in the accident. But PIP protections benefit more than just the policyholder who is injured while involved in an accident in his or her own vehicle. According to the Florida Department of Highway Safety and Motor Vehicles, PIP coverage also applies to:
Your PIP coverage also protects you while you're a passenger in someone else's vehicle, and as a pedestrian or bicyclist if you suffer injuries in a crash involving a motor vehicle.
Note that anyone who is riding in your car who carries PIP will receive coverage under their own PIP for their injuries. The same goes for most licensed drivers who are driving your vehicle with your permission.
Under Florida law, available PIP benefits include:
Florida drivers can only step outside of the state's no-fault system and pursue a claim against the at-fault driver directly:
This threshold is significant because an injured driver or passenger can't receive certain kinds of compensation via a no-fault or PIP claim. Most notably, non-economic damages like pain and suffering are excluded from the no-fault/PIP process.
But once you're permitted to step outside of no-fault and file a liability claim or lawsuit, you're entitled to seek the full spectrum of car accident damages, including payment for pain and suffering, which can really boost the value of a car accident claim.
Finally, it's important to note that vehicle damage is never part of a no-fault or PIP claim. If you want to get payment for damage to a vehicle after an accident, you're free to pursue an insurance action or lawsuit against the at-fault driver.
Now that you understand how no-fault PIP coverage works, what kinds and amounts of car insurance coverage are mandated under Florida law? The following minimums are required in order to register a vehicle in the state:
Learn more about when you might need a lawyer after a car accident, and get tips on finding the right car accident attorney for you and your case. You can also use the tools on this page to connect with a Florida injury lawyer near you.