{"id":2457,"date":"2023-02-06T17:28:04","date_gmt":"2023-02-07T01:28:04","guid":{"rendered":"https:\/\/www.sharmin.com\/rideshare\/?p=2457"},"modified":"2023-02-17T17:32:37","modified_gmt":"2023-02-18T01:32:37","slug":"explaining-floridas-no-fault-car-insurance","status":"publish","type":"post","link":"https:\/\/www.sharmin.com\/rideshare\/explaining-floridas-no-fault-car-insurance\/","title":{"rendered":"Explaining Florida\u2019s No-Fault Car Insurance"},"content":{"rendered":"

In some states, it matters who is at fault in an accident because the liable party\u2019s insurance company must pay for any property damage and personal injuries caused by the accident. Florida, however, is one of 12 no-fault insurance states. In a no-fault state, each driver\u2019s insurance covers their injuries regardless of fault. This allows for much faster claim processing and expedites payouts. In theory, this policy is also meant to free up Florida\u2019s courts from being overburdened with accident cases meant to determine fault as insurance companies battle over which policy must cover damages. In effect, however, often accident victims must file lawsuits to recover their damages which often extend far beyond Florida\u2019s required $10,000 in Personal Injury Protection (PIP) coverage.<\/span><\/p>\n

If you\u2019ve had an accident in Florida, you may be wondering how the state\u2019s no-fault insurance rule impacts your claim.<\/span><\/p>\n

Bodily Injury Liability Claims May Become Complicated in Florida<\/span><\/h2>\n

Florida\u2019s insurance laws only require drivers to carry the minimum PIP coverage of $10,000 as well as a minimum of $10,000 in property damage coverage. Sadly, rising costs of medical treatments make this amount too small to cover much more than minor injuries. Also, most PIP policies only cover tangible economic damages like medical bills and a percentage of a victim\u2019s lost wages. These policies rarely allow coverage for non-economic damages like pain and suffering, emotional anguish, or loss of quality of life\u2014factors that are often more detrimental and damaging to accident victims than their economic losses. In some circumstances, drivers purchase additional insurance as protection, including personal injury liability insurance. Even in a no-fault state, if you\u2019ve been hurt in an accident with a driver who carries personal injury liability insurance, you may be entitled to additional compensation. Unfortunately, high insurance premiums mean the majority of drivers opt out of extra coverage.<\/span><\/p>\n

What some Florida accident victims don\u2019t realize is that they may still be able to recover damages in Florida by filing a personal injury lawsuit if their case meets specific criteria recognized by the court.<\/span><\/p>\n

When Can I File a Personal Injury Claim in Florida?<\/span><\/h2>\n

Florida\u2019s courts have threshold requirements in place<\/span><\/a> for gaining financial compensation for non-economic damages such as pain and suffering. The courts must consider your injuries to be significant under these threshold criteria which include the following:<\/span><\/p>\n