What Does Florida’s No-Fault Law Actually Mean?
Florida follows a No-Fault Motor Vehicle Law, which requires every driver to carry Personal Injury Protection (PIP) insurance with a minimum of $10,000 in coverage. PIP helps pay for medical treatment, lost wages, and related accident costs—regardless of who caused the accident. This coverage applies whether you’re driving your own car, a rental, or a borrowed vehicle.
However, PIP has limits. It does not cover damage to your vehicle, the other driver’s vehicle, injuries to passengers who have their own PIP policy, or claims for pain and suffering.
What PIP Covers
- 80% of reasonable and necessary medical expenses
- 60% of lost wages if you cannot work
- $5,000 in death benefits if a loved one dies in a crash
To receive PIP benefits, you must seek medical care within 14 days of the accident.
Why PIP Isn’t Always Enough
PIP offers fast access to initial benefits, but it does not pay for all accident-related losses. Many injured drivers still face medical bills, property damage, and other expenses that exceed PIP limits.
To recover full compensation, you may need to file a claim against the at-fault driver. This requires proving that the other driver was negligent.
Deadlines You Need to Know
Florida’s updated statute of limitations gives you two years from the date of the accident to file a personal injury lawsuit. After you submit a PIP claim, insurers have 30 days to approve or deny it.
For more on deadlines, see our guide here: Is There a Deadline to File a Personal Injury Case?
Need Help After a Florida Car Accident?
If you were recently involved in a crash or want to understand your options under Florida’s no-fault law, contact Sunshine State Law Firm for a free consultation. An attorney can help you file your claim correctly, protect your rights, and pursue the compensation you deserve.