$22.1M SETTLEMENT catastrophic brain injury due to a defective product $6.5M SETTLEMENT catastrophic catastrophic personal injury case settled in federal court $5.0M SETTLEMENT catastrophic car accident involving a defective tire $3.0M VERDICT catastrophic defective tire case - Bridgestone + Ford $2.2M SETTLEMENT catastrophic pedestrian accident resulting in a pelvic injury $1.0M SETTLEMENT catastrophic automobile accident fatality case $1.0M SETTLEMENT catastrophic defective tire accident resulting in a brain injury

Florida Is a No-Fault Insurance State: What This Means for You

Home
Blog
Car Accidents
Florida Is a No-Fault Insurance State: What This Means for You

Posted on July 27, 2013

If you are ever injured or someone you love is in a Florida car accident, you will want to make sure that you have adequate insurance coverage. States will vary in what insurance they require of drivers.

Florida is a no-fault insurance state, which means that your insurance company steps in and pays your medical expenses related to your car accident, no matter if the accident was your fault or not.

The amount your insurance agrees to pay in medical expenses will be determined by the specifics of your insurance policy. This is why it is important to know what coverage you have, which can help protect you down the road if you should need to make a claim.

As Fort Lauderdale personal injury lawyers, we see victims of car accidents unaware of what their insurance actually covers, leaving them unable to recover full damages even when the need is clearly determined.

In Florida, to operate a car, you are required to carry$10,000 of each:

PPI insurance, which is personal injury insurance that covers medical expenses related to a car accident.
PDL insurance, which covers property damage, such as the vehicle totaled in an accident.

In addition to the minimal requirements that Florida requires for insurance, there are add-ons that should be considered, including comprehensive, collision, and bodily injury liability.

There is also underinsured and uninsured motorist insurance, which is a broad coverage that helps to ensure that you can recover full damages if you were in an accident that caused complicated injuries with a driver with little or no insurance at all.

Clearly there are a number of insurance choices for Florida drivers, in addition to what is required. Make sure you are fully covered before you are ever in a car accident.

Call or text Chalik & Chalik

img:is([sizes="auto" i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px;}.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em;}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none;}.full-width-hcvideo{position:relative;padding-bottom:56.25%;padding-top:30px;height:0;height:auto;overflow:hidden;max-width:100%;}.half-width-hcvideo{position:relative;padding-bottom:25.25%;padding-top:30px;height:0;height:auto;overflow:hidden;max-width:50%;width:50%;float:left;}.full-width-hcvideo iframe,.full-width-hcvideo object,.full-width-hcvideo embed,.half-width-hcvideo iframe,.half-width-hcvideo object,.half-width-hcvideo embed{position:absolute;top:0;left:0;width:100%;height:100%;}.homepage-top-banner{background-image:none;}.homepage-top-banner__inner .video-related-stories{padding-top:10px;}.homepage-top-banner__heading{font-family:"Open Sans Condensed",Arial,sans-serif;font-size:2.2rem;color:#003861;text-shadow:none;}.homepage-top-banner__subheading{color:black;font-family:"Open Sans",Arial,sans-serif;font-size:18px;text-shadow:none;}@media (max-width: 767px){.homepage-top-content__trust-badges{padding-top:15px;}}@media (min-width: 768px){.homepage-video{max-width:60%;margin-top:10px;}.homepage-top-banner__inner{padding-top:0px;}}.home .standard-form .email:before{z-index:9999999999;}@media (min-width: 1000px){.homepage-top-form,.homepage-personal-injury__right img{position:relative;top:-600px;}.homepage-top-banner__heading{max-width:840px;}.homepage-top-banner__subheading{max-width:840px;}.homepage-top-content h1{max-width:840px;}}.page-id-6 .footer-contact-form .email,.page-id-105 .footer-contact-form .email{width:100%;}.page-id-6 .footer-contact-form .wpcf7-form-control-wrap.email,.page-id-105 .footer-contact-form .wpcf7-form-control-wrap.email{width:calc(50% - 5px);}.page-id-6 .footer-contact-form .wpcf7-form-control-wrap.email::before,.page-id-105 .footer-contact-form .wpcf7-form-control-wrap.email::before{z-index:99999;}.testimonials.as-seen-on>a{width:20%;}@media (max-width: 1000px){#header-media{display:none;}}#header-media{position:relative;top:5px;}#header-media small{display:block;line-height:0;}#header-media{width:400px;}#header-media svg,#header-media img{width:50px;vertical-align:middle;}.footer-widget ul li:last-child{text-align:left;margin-top:1px;}.footer-widget ul li:last-child a{padding:3px 10px;}.footer-widget ul li{vertical-align:top;display:inline-block;}.footer-widget ul li span{color:#fff;font-weight:700;font-family:"Open Sans Condensed",Arial,sans-serif;text-decoration:none;text-transform:uppercase;display:inline-block;padding:10px 10px 3px 10px;}@media (max-width:659px){.footer-widget ul li:last-child{text-align:center;}}@media screen and (max-width: 767px){.page-id-6 .footer-contact-form__form .email{width:100% !important;}}.btn-default{display:inline-block;max-width:200px;border-radius:4px;margin:15px;width:auto;padding:5px 10px;background:#da6009;text-decoration:none;font-size:1.4rem;font-weight:700;font-family:"Open Sans Condensed",Arial,sans-serif;transition:.2s;color:#fff !important;text-align:center;}.btn-default:hover{color:#fff;background:#f67920;}#breadcrumbs{margin:1rem 0;}#breadcrumbs li{display:inline;}#breadcrumbs li a:hover svg{fill:#579abb;}#breadcrumbs > li + li::before{content:"»";margin-left:5px;margin-right:5px;}.homepage-top-banner.nitro-lazy{background-image:none !important;}.alignleft{float:left;margin-right:30px;margin-bottom:30px;}.related-videos{display:flex;flex-wrap:wrap;justify-content:space-between;}.related-videos>.related-video{width:45%;min-width:300px;}.related-videos a{display:block;text-align:center;margin-bottom:20px;}.related-videos img{float:none !important;margin:0 0 10px !important;width:100%;clear:both;display:block;}.related-articles{margin-top:50px;border-top:5px solid #b4262d;}.related-videos img{width:100%;height:100%;object-fit:cover;}@media screen and (max-width:768px){h2{font-size:30px;}}.content-sidebar-wrap h2{font-size:26px;margin-top:35px;}.alignleft{float:left;margin-right:30px;margin-bottom:30px;}.related-articles>.related-video{margin-bottom:20px;}.related-articles>.related-video .img-wrp{width:190px;height:150px;float:left;overflow:hidden;margin:0 20px 20px 0;}.related-articles>.related-video .img-wrp img{width:100%;height:100%;object-fit:cover;}.related-articles{margin-top:50px;border-top:5px solid #b4262d;}.additional-location-widget{display:none !important;}