Understanding The Florida No-Fault Law

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In simple terms, the “No-Fault” law in Florida means that all drivers must have Personal Injury Protection (PIP) coverage as part of their auto insurance. This insurance covers up to $10,000 in medical bills and related expenses, regardless of who caused the accident. Here are the key points explained clearly:

What “No-Fault” Means

“No-Fault” doesn’t mean you can’t be held responsible; it means you can claim benefits from your own insurance regardless of fault.

Coverage Details

PIP covers:

  • 80% of medical bills are from accident injuries.
  • 80% of prescription medication costs.
  • 60% of lost or reduced income.
  • Travel to and from medical facilities.

The 10/20/10 Rule

  • Insurance coverage is summarized as 10/20/10.
  • $10,000 for bodily injury per person.
  • $20,000 maximum per accident.
  • $10,000 for property damage per accident.

Exceptions – Permanent Injury

  • Permanent injuries (significant and lasting loss of functionality, disfigurement, or scars) allow filing a claim against the at-fault driver.
  • In case of a permanent injury or death, claims can be made against the responsible driver.

Claiming Damages

In cases of permanent injury, you can claim various damages, including rehabilitation costs, lost income, medical bills, and compensation for pain and suffering.

Personal Injury Lawyer

Why Legal Representation Matters

Having a Jenkins Law attorney by your side ensures you get what you deserve.

Studies show accident victims often recover three times more money with legal representation.

This clear explanation helps you grasp the basics of Florida’s “No-Fault” Motor Vehicle Law, ensuring you understand your rights and options in case of an accident.

This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is a St Petersburg personal injury lawyer. She focuses on personal injury, car accidents, and bicyclist injuries. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your situation.

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