| Auto Insurance
card driving on busy road along the ocean with palm trees in Florida

What You Need to Know if You’re a Driver in Florida

● Is Florida a no-fault state? You bet.
● Does Florida no-fault law require drivers to buy specific coverage? Yes.
● How does Florida no-fault insurance work? We’re about to tell you.

No-fault car insurance is the law of the land in Florida, making it an important law to understand if you’re a Sunshine State driver. Learn what the law means for your Florida car insurance policy and how it can come into play after an accident on the road.

What is Florida no-fault insurance?

Florida is one of 12 states that have no-fault car insurance laws.

According to the Florida Office of Insurance Regulation, every owner of a car registered in the state is required to buy no-fault coverage (along with property damage liability). You might also see no-fault referred to as personal injury protection (PIP).

No-fault coverage will help pay for certain medical, hospital, and funeral expenses, and/or lost wages incurred by you, residents of your household, passengers in your insured vehicle, and pedestrians when injured in an auto accident regardless of who is at fault. It doesn’t cover damage to cars and other property.

The goal of Florida no-fault coverage is to provide injured drivers with thousands of dollars in medical coverage right away, rather than having to go to court, figure out which driver was at fault, and then wait for the money.

According to the Florida Department of Highway Safety and Motor Vehicles, at least $10,000 in PIP coverage and $10,000 in property damage liability coverage is required to drive a car with a valid Florida license plate.

Who and what can Florida no-fault/PIP cover?

PIP coverage can go beyond you and your own car.

The Department of Highway Safety and Motor Vehicles says your PIP also covers your children and members of your household, in addition to certain passengers who don’t have PIP coverage and don’t own a car. PIP also covers your children, if they’re injured while they’re riding in a school bus.

Furthermore, the department says, PIP coverage protects you if you’re a passenger in somebody else’s car, as well as if you’re a pedestrian or bicyclist and are hurt in a crash involving a car.

However, passengers in your car who have PIP coverage must use their own PIP benefits to pay medical bills for treatment of injuries suffered in a wreck.
Medical treatments that are generally eligible for a PIP claim include medical services and medication, surgical services, rehab costs, diagnostic services, and ambulance costs.

How does Florida no-fault insurance work?

When a car accident or other covered event occurs, each person involved in the crash turns to his or her own auto insurance company to pay the costs of medical care and other losses. It doesn’t matter who is technically at-fault for the accident.

Get a quote for Florida no-fault

Regardless of your insurance or credit history, you can apply for Florida no-fault coverage today with Direct Auto Insurance. We’ll walk you through the ins-and-outs of Florida no-fault laws. Call 1-877-GO-DIRECT (1-877-463-4732)  or visit a Direct agent in Florida to learn more about no-fault car insurance today. Knowledgeable agents are standing by to help drivers in the Sunshine State get the right coverage at the right price. We strive to offer affordable rates to everyone, from Miami and Jacksonville to the Panhandle!

More Info for Floridians
● Florida State Minimums for Auto Insurance
● 5 Reasons to Love Living in Florida [SLIDESHOW]

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