Navigating Florida's No Fault Auto Insurance SystemIf you live in Florida – or, if you’ve been visiting the state and you happen to have been involved in a car accident – one of the first things that it is essential for drivers to understand is Florida’s “no fault” auto insurance system.

The no fault system means that an individual will go first – and sometimes only – to his or her own auto insurance provider in order to receive compensation for their injuries and / or their lost income due to the accident.



In the state of Florida, it is required that drivers carry at least the following minimum amounts of auto insurance coverage:

  • $10,000 for personal injury protection (PIP), and
  • $10,000 for property damage liability (PDL).

There are some instances where a Florida driver may be able to go outside of the no fault system and file a claim directly against a driver who is at fault. These instances include the following:

  • If the resulting injury / injuries are considered to be permanent;
  • If significant and permanent disfigurement or scarring has occurred; or
  • If significant and permanent loss of an important bodily function has resulted as a result of the accident.

It is important to note, however, that if a driver is making a claim for vehicle damage only, then no fault criteria will not apply. In this case, the individual may make a claim via the at-fault driver’s property damage liability insurance policy.

If you have undergone a serious injury under the state of Florida’s no fault system, or if you are attempting to prove that a claim should be exempt from this particular threshold, then it is likely that you need an attorney on your side.

A good attorney can help you in handling the negotiating process, as well as with how to anticipate any of the obstacles that can come up along the way. Contact us to learn more about your options.