Florida no-fault personal injury claims: Who pays?

In a no-fault insurance system, like the one in Florida, your own insurance company is responsible for covering your medical expenses and other related costs in the event of an accident, regardless of who is at fault. This differs from a fault-based system in which the at-fault party’s insurance would typically cover the costs of the injured person. 

Because the insurance and legal systems can be complex, it is necessary to have an experienced attorney fight for the compensation you deserve. The experts at Goldman Daszkal are here to help personal injury victims get the compensation they deserve to cover medical bills, lost wages, property damage, and more. 

In the context of Florida’s no-fault system, it’s important to note a few key points:

Personal Injury Protection (PIP) Coverage: Florida requires all drivers to carry Personal Injury Protection (PIP) coverage as part of their auto insurance policy. PIP coverage is designed to provide immediate medical coverage for the policyholder and other eligible individuals, such as family members residing in the same household. PIP coverage typically includes medical expenses, lost wages, and other related costs resulting from a car accident.

PIP Limitations: There are limits to how much PIP coverage will pay out, and these limits may vary depending on the insurance policy. In Florida, the minimum PIP coverage limit is $10,000. This means that, up to the limit of the policy, your own insurance company will cover your medical expenses and other eligible costs regardless of who was at fault in the accident.

Claims Process: If you’re involved in an accident, you need to file a claim with your own insurance company under your PIP coverage. Your insurance company will review the claim and provide coverage up to the limits of your policy. Remember that PIP coverage typically only covers a portion of your medical expenses and lost wages, and if your expenses exceed the policy limit, you may need to seek additional compensation through other means.

If you have been injured because of someone else’s negligence, contact Goldman Daszkal today. We can identify all sources of compensation and help you get the money you deserve. Your initial consultation is free!