How does the Florida no-fault law affect my auto accident claim?
Because it is a no-fault state, all Florida drivers are required to insure their cars with $10,000 personal injury protection (PIP) benefits and $10,000 for property damage. The minimum state requirement for PIP protection is $10,000, and is intended to pay 80 percent of your medical expenses and 60 percent of your lost wages after a car accident. In general, the driver that caused the car accident is responsible for paying the remaining 20 percent of your medical bills and the remaining 40 percent of your lost wages. However, Florida law does not require drivers to purchase insurance to cover these unpaid amounts. In some cases, drivers purchase uninsured motorist insurance to cover potential additional compensation costs.
