If you’ve recently moved to Florida and had a car accident, you might be feeling a little lost. Florida is one of just a few states that still have no-fault car insurance laws, so there’s a good chance you don’t really understand your new car insurance. Here’s what you need to know about Florida car accidents in relation to no-fault car insurance.
What is no-fault car insurance?
Florida “no-fault” insurance is actually just one coverage under your own car insurance policy, which is actually called Personal Injury Protection (PIP). In Florida, no matter who is at fault for the accident, your own insurance company pays 80% of your initial medical bills up to a maximum of $10,000. These payments are made from your own insurance PIP coverage, regardless who was at fault for the car accident. This can seem grossly unfair, especially if your injuries are severe and the accident clearly occurred due to someone else’s negligence.
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