Automobile Accidents Blog

What Is a No-Fault State and What Does It Mean for Your Car Accident? –

How No-Fault Accident Rules Can Have an effect on Your Car Accident Claim

Should you’re a driver in Florida, likelihood is, you’ve heard the phrases “no-fault state.” What does that imply, although? How does it affect you for those who’re concerned in a automotive accident? Does it mean that nobody is legally responsible for causing a automotive accident? For those who’ve ever questioned about Florida’s no-fault status, learn on for extra info.

No-Fault Applies to Insurance, Not Accidents

Whereas Florida’s no-fault status was truly designed to scale back the number of personal damage lawsuits filed following automotive accidents, the term refers to the kind of insurance that is required in the state, to not the accident itself. Based on the State Senate’s website, in 1971 Florida turned the second state in the nation to undertake a no-fault vehicle insurance coverage coverage. The first causes for shifting to the no-fault insurance system have been:

  • To make sure that individuals injured in vehicle accidents can be instantly compensated by their very own insurers, even if the injured celebration was at fault.
  • To reduce courtroom congestion and delays in courtroom calendars by decreasing the general number of personal damage lawsuits.
  • To lower vehicle insurance coverage premiums.
  • To end inequities of recovery which are discovered within the conventional “fault” system.

To register a four-wheeled car in Florida, drivers should buy two varieties of insurance insurance policies: (1) a Personal Damage Safety coverage (also referred to as PIP or no-fault insurance) of at the least $10,000, and (2) a Property Injury Liability policy of no less than $10,000. Nevertheless, in contrast to most states, Florida doesn’t require car house owners to buy Bodily Damage Legal responsibility protection, which would pay for injuries to different drivers should the policy-holder or someone on the policy trigger an accident that includes injuries to others.

Who Is Coated by Your PIP Policy?

The next individuals are usually coated by your PIP policy within the event of an accident:

  • You, as the policyholder, do you have to maintain an damage whereas occupying your car, driving in another person’s car, or as a pedestrian who’s hit by another car.
  • Your instant relations, ought to they turn into injured while occupying your car, driving in someone else’s car, or as a pedestrian who’s hit by another car.
  • Passengers in your automotive, if they don’t have their very own PIP policy.

The Execs and Cons of PIP

When you ask drivers around the state how they just like the no-fault insurance coverage plan that Florida requires, you’ll doubtless hear assorted opinions. Under we talk about the pros and cons of PIP in lieu of required bodily damage liability insurance.


  • You don’t need to prove the opposite driver’s fault to obtain compensation for your accidents.
  • For those who’re at fault, you don’t need to pay for your bills out of pocket.
  • When you have been injured in an accident brought on by an uninsured driver, you’ll be able to nonetheless receive compensation, even when you didn’t buy elective uninsured/underinsured motorist coverage.
  • Less congestion at courthouses on account of fewer automotive accident lawsuits being filed.


  • No-fault insurance states are likely to have greater insurance coverage premiums.
  • PIP policies don’t cover different damages that you simply may endure, including pain and struggling or lack of quality of life.
  • PIP insurance policies only cover a portion of medical expenses and misplaced wages, which means that you’ll still have out-of-pocket prices.
  • The protection offered by PIP is usually redundant to coverage offered beneath medical insurance plans.

Claims to Your PIP Policy

PIP policies cover a portion of your bills do you have to be involved in a visitors accident. Regardless of fault, your policy should cowl:

  • 80 % of your medical costs, including medical providers, medicine, surgical providers, hospital bills, rehab costs, diagnostic providers, and ambulatory providers, as much as the restrict of your coverage. Word that if your injuries are usually not deemed an emergency, you will only be coated for $2,500 value of bills.
  • In case you are unable to work because of the injuries that you simply sustained in an accident, your PIP policy will even cover 60 % of your misplaced wages, as much as the restrict of your coverage. Additionally, your PIP will cowl the prices of providers that you would normally carry out but are unable to because of your accidents.
  • Up to $5,000 to your next of kin when you’re killed within the accident, which is supposed to cover funeral and burial expenses.

PIP does not cover the following conditions:

  • Bodily damage to other drivers.
  • Property injury to both your car or someone else’s.
  • Medical costs or lost wages in excess of your policy’s limit.
  • Non-economic claims, comparable to pain and suffering.

Additionally, there are some exceptions to the protection that PIP supplies you. Your PIP policy won’t cowl your injuries if:

  • You triggered the accident intentionally.
  • You have been committing a crime or fleeing the scene of one when the accident occurred.
  • You have been driving your automotive for a fare, resembling with Uber, with Lyft, or as a taxi.
  • The injured individual was occupying your automotive or was struck by your automotive, and your insurance had lapsed.
  • Your damage was brought on by perilous human activity, akin to a struggle, revolt, riot, or nuclear explosion.

What About Injury to My Car?

In contrast to PIP, which addresses medical bills and misplaced wages, Florida’s no-fault system does not prolong to property injury, comparable to for repairs to your automotive after an accident. If someone else was at fault for the accident, you’ll be able to file a third-party declare with the at-fault get together’s Property Injury Liability insurance coverage service. As previously said, car house owners in Florida are required to buy property injury liability insurance coverage.

What if the driving force who brought about your accident doesn’t have property injury liability protection or if the injury to your automotive exceeds the bounds of their policy? You could possibly get hold of compensation for the damages to your automotive via your personal insurance service in case you have one of many following forms of insurance policies:

  • Uninsured/Underinsured Motorist Coverage. This coverage will cowl medical prices and injury to your automotive if the at-fault celebration is both uninsured or does not have a policy restrict giant enough to cowl your whole prices.
  • Collision. This policy will restore damages to your automotive after a crash, together with when you’re involved in a single-vehicle accident.
  • GAP automotive insurance. When you have an accident inside weeks or months of buying a new automotive, GAP insurance will shield you from the distinction in what you owe for the car and what your collision coverage pays out.

Florida Is Truly Comparative Fault

As you’ll be able to see, fault does play a position inside the conversation of Florida automotive accidents, regardless that you’re required to purchase no-fault insurance. Moreover, in case your case exceeds the coverage limits of your PIP, you’ll be able to file a lawsuit to get well bills associated to your injuries, which may involve multiple at-fault events. Because of Florida’s pure comparative negligence normal (also referred to as pure comparative fault), you possibly can still file a private damage lawsuit, even when you’re partially at fault for your injuries.

First adopted in Florida in 1973 as a response to the notion that many accidents are brought on by negligent behaviors on the part of a number of parties, what the pure comparative negligence commonplace means is that you are able to search compensation from one other individual’s insurance company even in case you are partially in charge for an accident. Nevertheless, your award might be lowered by the share of fault that the courtroom attributes to you. For instance, in the event you suffered $100,000 for damages, however a courtroom determined that you simply have been 10 % liable for the accident, your award can be lowered by 10 %, to $90,000.

Submitting a Lawsuit Towards an At-Fault Driver

To file a lawsuit towards an at-fault driver, you will need to have sustained a critical damage, as defined by state regulation. To qualify, your damage should have involved:

  • Vital disfigurement,
  • Bone fracture,
  • Permanent limitation of use of a physique organ or limb,
  • Significantly limited use of a bodily perform or system, or
  • Full incapacity for at the least 90 days.

In case your accidents meet the state’s definition of great and if in case you have exhausted the limit of your PIP coverage, you’re permitted to seek compensation by filing a third-party declare towards the at-fault social gathering’s insurance coverage (if they have bodily damage legal responsibility protection) or a private damage lawsuit.

When filing a private damage lawsuit to recuperate damages from the at-fault get together following a automotive accident, you should prove negligence. Negligence is proven by displaying all the following:

  • The defendant owed you a obligation of care. In a automotive accident case, the obligation of care can be working the car in a protected manner.
  • The defendant’s actions brought on a breach in that obligation of care.
  • Due to the breach within the defendant’s obligation of care, you sustained injuries that resulted within the expenses for which you’re in search of to get well compensation.

A personal damage lawsuit covers extra damages than your PIP policy will. Under we listing a few of the damages that you may search compensation for by way of a personal damage lawsuit:

  • Previous, current, and future medical bills associated to the accidents that you simply sustained within the accident
  • Lost time from work, including time spent traveling to or from medical appointments or remedy associated to your accidents
  • Property injury brought on by the accident
  • Permanent disability or disfigurement
  • The cost of providers that you would normally perform however are unable to because of your injuries
  • Emotional distress brought on by the accident or your accidents
  • Lack of consortium
  • Other prices that have been a direct result of your damage

How A lot Compensation Can I Seek By means of a Personal Damage Lawsuit?

Whereas Florida limits the number of automotive accident lawsuits which might be filed by solely allowing these with vital injuries to file, and by putting a statute of limitations on submitting private damage lawsuits of four years from the date of the accident, there are only a few limits placed on the amount of compensation you can search, assuming you’re eligible to file such a lawsuit. Your personal damage lawyer will help you identify the price of your case by contemplating a variety of elements, including:

  • The severity and permanence of your accidents
  • The need for mobility gear or accessibility renovations on your own home
  • The price of affordable and essential medical providers
  • Your capacity to continue with the job that you simply had earlier than the accident or to earn the cash that you’d have made sooner or later had you not grow to be injured
  • The varieties of insurance coverage protection that you simply and the other driver have
  • The amount of liability that you simply bear for your injuries
  • The amount of evidence and documentation which you can present to show your claims

Growing Your Probability of Success

Whereas we can’t guarantee a successful consequence in your personal damage lawsuit, there are some steps that you would be able to take to extend your probability of successfully proving that someone was, certainly, at fault for the accident that triggered your injuries, together with:

  • Hire an experienced private damage lawyer to information you through the claims process in addition to any mandatory litigation. Your lawyer could possibly negotiate a truthful settlement for you together with your insurance coverage service or the insurance supplier of the at-fault social gathering, thus avoiding the need for a lawsuit. Within the occasion that a lawsuit is important, he or she will argue your case before a decide or jury, and additionally be sure to comply with all relevant procedural rules.
  • Be diligent in the assortment of documentation and evidence which will assist prove your claims. If potential, take footage or have someone else take footage of the accident scene, together with the injury to both automobiles and any seen accidents that you’ve. Seek prompt medical consideration, and hold data of all paperwork associated to your analysis and prognosis. Hold copies of all payments referring to medical and property injury bills. Journal info relating to your medical appointments and your day-to-day recovery.
  • Remember to file your lawsuit inside the time-frame set out in the statute of limitations.

Contact Dolman Regulation Group for Assist Navigating Florida’s PIP System

For those who’ve been injured in a automotive accident that was induced—a minimum of partially—by another person’s negligence, you’ve authorized options. We want to talk about them with you. With workplaces in Clearwater, St. Petersburg, Sarasota, and New Port Richey, name Dolman Regulation Group Accident Damage Legal professionals, PA, at 833-552-7274 (833-55-CRASH) at present, or contact us online, to schedule your free consultation with considered one of our skilled private damage attorneys.

Dolman Regulation Group Accident Damage Legal professionals, PA
800 North Belcher Street
Clearwater, FL 33765

Florida Car Accident Attorneys