Q: Who is Covered By Florida No-Fault Insurance?
According to Florida’s no-fault insurance law, anyone with auto insurance is covered by no-fault insurance. Your auto insurer will compensate you for your injuries regardless of who was at fault for an accident.
However, any property damage that was caused should be covered by the at-fault party. If you have questions about Florida’s no-fault insurance law, you should contact an experienced personal injury attorney.
According to Florida’s no-fault insurance law, all motorists must have a minimum of $10,000 personal injury (PIP) insurance coverage, and $10,000 of property damage liability (PDL) insurance coverage.
Florida’s no-fault insurance law was developed to help reduce the number of car accident lawsuits. PIP coverage is meant to help pay for a victim’s medical expenses, as well as for a passengers’ expenses. PIP will provide coverage up to the limit amounts that are given by a policy.
PIP will protect you while in your own vehicle, or while you are in someone else’s vehicle. PDL, on the other hand, covers certain property damages up to the limit of the policy.
Apart from these two mandatory types of coverage, you may also purchase:
- injury liability coverage;
- collision coverage;
- comprehensive coverage; and
- uninsured/underinsured motorist bodily injury coverage.
Even if you have insurance coverage, you may want to contact a personal injury attorney if you’ve been injured. In cases where you need more compensation than your PIP policy limit will allow, an attorney can work to hold the responsible party accountable for your injuries.