{"id":748,"date":"2017-05-04T19:24:32","date_gmt":"2017-05-04T19:24:32","guid":{"rendered":"https:\/\/fiolinjurylaw.wpenginepowered.com\/blog\/is-florida-a-no-fault-state\/"},"modified":"2026-01-07T22:32:29","modified_gmt":"2026-01-08T03:32:29","slug":"is-florida-a-no-fault-state","status":"publish","type":"post","link":"https:\/\/www.fiolinjurylaw.com\/en\/blog\/is-florida-a-no-fault-state\/","title":{"rendered":"Is Florida a No-Fault State?"},"content":{"rendered":"\n<p>After a vehicle collision, it is your duty as a driver to know how the insurance laws operate in your state so you can file a claim. Insurance laws will determine how to go about requesting compensation for your damages, such as medical bills and property damage repairs. As of 2019, Florida remains a no-fault state, one of 12 states that abide by this fault-based system. No-fault insurance requires every driver to file claims with their insurers, regardless of fault. Most states abide by fault-based laws, which hold the at-fault party accountable for his or her actions by making that driver\u2019s insurance company pay for victims\u2019 damages. Our <a href=\"https:\/\/www.fiolinjurylaw.com\/tampa-personal-injury-lawyer\/\">Tampa injury attorneys<\/a> help explain the meaning of Florida no-fault state insurance and what happens during a car wreck.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/is-florida-a-no-fault-state\/#What_Is_Floridas_No-Fault_Insurance_Statute\" >What Is Florida's No-Fault Insurance Statute?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/is-florida-a-no-fault-state\/#Floridas_No-Fault_State_Insurance_Requirements\" >Florida\u2019s No-Fault State Insurance Requirements<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/is-florida-a-no-fault-state\/#When_to_Call_an_Accident_Attorney\" >When to Call an Accident Attorney<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_Floridas_No-Fault_Insurance_Statute\"><\/span>What Is Florida's No-Fault Insurance Statute?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Despite most states adopting fault-based insurance laws, Florida remains a no-fault car insurance state. Florida\u2019s insurance laws hold that each party involved in a collision will seek damage restitution from their own insurance providers, with no concern for fault. Injured parties do not have to determine fault before filing insurance claims. They may call their insurance companies immediately after the accident to seek financial relief no matter which party caused the collision.<\/p>\n\n\n\n<p>Under Florida\u2019s no-fault laws, an injured accident victim cannot file a lawsuit against the at-fault party in most situations. The victim must accept an insurance settlement as the only available form of compensation. If, however, the victim\u2019s injuries reach <a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.737.html\">Florida\u2019s threshold<\/a>, the person may have the right to bring a lawsuit outside the state\u2019s no-fault laws. The threshold states that the car accident must have caused a significant or total loss of an important bodily function, a permanent injury, scarring, disfigurement, or death.<\/p>\n\n\n\n<p>The no-fault laws in Florida can limit how much a car accident claimant can receive in damages. Since in most cases, the victim will only have the right to file an insurance claim, his or her recovery will only reflect as much insurance coverage as he or she has purchased. This may not completely cover a victim for serious or expensive losses. In a fault state, on the other hand, a victim will always have the option of filing an injury lawsuit if the other party caused the wreck. A lawsuit could result in greater damages than an insurance claim alone.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Floridas_No-Fault_State_Insurance_Requirements\"><\/span>Florida\u2019s No-Fault State Insurance Requirements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Due to Florida\u2019s no-fault state laws, the state requires <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">specific insurance coverage<\/a> for all drivers. Failure to purchase the correct coverage could lead to a fine. It could also force the uninsured driver to pay for his or her losses out of pocket after an accident. Under Florida\u2019s no-fault rules, every driver must maintain at least the minimum amounts of coverage under each mandatory category.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bodily injury insurance per person: $10,000.<\/li>\n<li>Bodily injury insurance per accident: $20,000.<\/li>\n<li>Property damage liability: $10,000.<\/li>\n<li>Personal injury protection insurance: $10,000.<\/li>\n<\/ul>\n\n\n\n<p>The difference between Florida\u2019s insurance requirements and most other states\u2019 requirements is personal injury protection (PIP). <a href=\"https:\/\/www.fiolinjurylaw.com\/florida-no-fault-insurance-pip\/\">PIP insurance<\/a> covers an at-fault party\u2019s medical expenses after an accident. It can cover the costs of medical treatments, surgeries, ambulances and other health care expenses. PIP insurance also reimburses lost wages. However, PIP will not cover 100% of a victim\u2019s damages. Many victims will still have to pay some money out of pocket even after successful insurance claims in Florida.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_to_Call_an_Accident_Attorney\"><\/span>When to Call an Accident Attorney<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you get into a car accident that causes serious or catastrophic personal injuries, or the death of a loved one, contact a <a href=\"https:\/\/www.fiolinjurylaw.com\/practice-areas\/tampa-wrongful-death-attorney\/\">wrongful death\u00a0lawyer in Tampa<\/a> for claim assistance. It may be in your best interest to file an injury lawsuit against the party or parties that caused your crash rather than settling with your car insurance company. Filing an injury claim for a serious or permanent injury could fully reimburse you for your medical expenses, lost wages, property damage repairs and other damages, such as pain and suffering. An <a href=\"https:\/\/www.fiolinjurylaw.com\/practice-areas\/tampa-car-accident-lawyer\/\">accident attorney in Tampa<\/a> can let you know if your injuries are severe enough to qualify you for a lawsuit against another driver, as well as what your claim could be worth.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>After a vehicle collision, it is your duty as a driver to know how the insurance laws operate in your state so you can file a claim. Insurance laws will determine how to go about requesting compensation for your damages, such as medical bills and property damage repairs. As of 2019, Florida remains a no-fault [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-748","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Is Florida a No-Fault State?<\/title>\n<meta name=\"description\" content=\"Florida is a no\u2011fault state, meaning accident victims file claims with their own insurer first and can only sue for serious injuries beyond no\u2011fault limits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/is-florida-a-no-fault-state\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Florida a No-Fault State?\" \/>\n<meta property=\"og:description\" content=\"Florida is a no\u2011fault state, meaning accident victims file claims with their own insurer first and can only sue for serious injuries beyond no\u2011fault limits.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/is-florida-a-no-fault-state\/\" \/>\n<meta property=\"og:site_name\" content=\"Fiol &amp; 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