Is Florida a Fault State for Car Insurance?

When it comes to car accidents and car insurance, states are generally split into two categories: fault or no fault. This concerns how compensation is calculated after an accident based on who is responsible for causing the accident.

Florida is a no-fault state. This means that no matter who is technically at fault for an accident, each driver is responsible for covering their losses in an accident. This is why Florida requires all drivers to carry at least $10,000 in personal injury protection (PIP) coverage.

What is Personal Injury Protection?

Personal injury protection coverage covers bodily injury you and your passengers may face after an accident regardless of fault. This means that if you cause an accident that results in injuries for you and your passengers, you should file a claim with your own insurer to receive compensation. Personal injury protection is different from medical payments coverage offered in other states as it provides further coverage such as wage replacement if you or a passenger are unable to work due to injury.

This insurance is especially important in Florida, which has a high number of uninsured drivers. If you are involved in an accident with a driver who does not carry car insurance, you will need personal injury protection to cover medical bills you and your passengers may face.

Can you Sue Another Driver in Florida?

Even with personal injury protection, you can still file a claim against another driver. If another driver causes damage or injury, you can file a claim against them to receive compensation. Additionally, if you receive compensation from your own auto insurance policy, you can still seek compensation from the other driver for additional compensation.

What Car Insurance is Required in Florida?

Car insurance requirements vary state by state. In Florida, all drivers must carry at least:

• $10,000 in bodily injury liability per person
• $20,000 in bodily injury liability per accident
• $10,000 in property damage liability
• $10,000 in personal injury protection

Car insurance requirements are not the only amount of car insurance coverages you should have, however—they are simply the coverages you are legally mandated to carry. Full coverage is often recommended for most drivers, which may include comprehensive coverage, collision coverage, liability, personal injury protection and uninsured/underinsured motorist coverage.

Speak with your insurance agent if you have any questions about your coverage or how fault is calculated.

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