Florida operates under a no-fault auto insurance system, which can be confusing for many drivers. Understanding how it works is essential to ensure you’re properly covered and avoid unexpected out-of-pocket expenses after an accident.
Key Points About No-Fault Insurance:
- Personal Injury Protection (PIP)
No-fault insurance requires PIP coverage, which pays for your medical expenses and lost wages regardless of who caused the accident. - Limited Liability Claims
Since PIP covers your injuries, lawsuits for bodily injury are limited unless certain thresholds are met. - Property Damage Coverage
No-fault doesn’t cover property damage to others — you’ll still need Property Damage Liability (PDL) for that. - Understanding Thresholds
Florida law allows injury claims beyond PIP only in severe cases such as permanent injury, significant disfigurement, or death. - Why Coverage Matters
Being informed about no-fault rules ensures you have enough coverage and helps prevent unexpected costs after an accident.
Conclusion
Navigating Florida’s no-fault auto insurance system doesn’t have to be complicated. StayBull Insurance helps you understand your coverage, optimize your policy, and stay protected on the road.
