Florida is indeed a “No-Fault” state when it comes to Car Insurance.
If that is the case, why are you being charged for an Accident and
Why is your insurance company raising your premium?
It all boils down to the definition of No Fault,
And what part of the Car Insurance policy it pertains to.
In Florida, its only the Personal Injury Protection that is considered No-Fault.
Under PIP, the Car policy will pay the first $10,000 of injuries to the occupants of the car –
No matter who is At-Fault in the accident.
So even if you caused the accident, your policy will pay the first $10,000 of your bodily injuries.
This first $10,000 of injuries is often referred to as the “Threshhold” before the other party can sue.
The State of Florida decided that Floridians should not have to wait for a Determination of Fault,
Before seeking Medical attention for their injuries.
In effect, don’t worry about Who is At Fault, go seek medical attention.
Once your medical bills and loss of income exceed the $10,000 of Personal Injury Protection,
Then you can sue the other party for additional medical bills and loss of income.
Here’s an article that delves deeper into Florida’s No Fault law.
You might still be considered At Fault in the accident
But at least you will be able to pay some of your doctors’ and hospital bills while the lawyers settle it out.
And hopefully, the accident will be charged to the “Other Guy”.
Contact Cronin Insurance for any questions you have on No Fault insurance in Florida.
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Cronin Insurance is the Wise Choice.
