What Is Florida’s No-Fault Insurance Law?
Florida operates under a no-fault insurance system, which means that after a car accident, each driver’s own insurance pays for their medical bills and lost wages — regardless of who caused the accident. This is covered under Personal Injury Protection (PIP) insurance, which Florida law requires all drivers to carry.
PIP Coverage Limits
Florida’s minimum PIP coverage is $10,000. This covers 80% of medical expenses and 60% of lost wages up to the policy limit. For serious injuries, $10,000 is often exhausted quickly.
When Can You Sue the At-Fault Driver?
Under Florida’s no-fault system, you can only step outside the no-fault system and sue the at-fault driver if your injuries meet the serious injury threshold — meaning significant and permanent loss of an important bodily function, permanent injury, significant scarring or disfigurement, or death.