If you are a driver in the state of Florida you have likely heard of the term “no fault state”. Florida is one of the few states in America that require “No fault insurance”. Each state has different requirements, but drivers in the state of Florida are required to have a minimum of $10,000 in benefits. But what exactly does “No fault Insurance” mean?
What Is No-Fault Insurance?
No fault insurance, otherwise known as Personal Injury Protection covers medical expenses regardless of who is at fault. Rather than submitting your claim to the negligent driver’s insurance company, each driver must submit their claim to their own insurance company. Your insurance company then pays damages to you for the injuries you suffered in the car accident, regardless of who was legally responsible for causing the car accident.
What exactly does No-Fault insurance cover?
- Any medical expenses that come up will be covered by your no-fault insurance (PIP)
- Hospital and medical expenses as a result of the accident
- Lost wages resulting from the inability to work
No-Fault Insurance Does Not Cover Repairs to Your Vehicle
Since no-fault insurance is limited to personal injury, property damages that result from an accident are handled in accordance with the “traditional” insurance process. Your collision insurance will pay claims for the damages incurred to your own vehicle if you opted for it.
If you have suffered injuries from an auto accident and are seeking additional coverage against the insurance company, contact a Tampa Personal injury attorney at the Capaz Law Firm. We will help you deal with your insurance company to get the full compensation promised under the insurance policy. Call 813-440-2700 for your free consultation.