What is Florida No Fault Auto Insurance?

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In the state of Florida there are a series of laws called the Florida No Fault. These laws impose certain types of obligations such as carrying a certain type of insurance, give benefits or require thresholds before you can recover non-economic damages. Some Florida no-fault benefits pay regardless of fault, which is why the state calls it “no fault.”

If you are in an accident that you caused, it is your own insurance company that pays the first portion of your medical bills under your PIP coverage. If you are stopped at a red light and you get rear-ended by someone, it’s your own insurance company that pays the medical bills, even if the accident is someone else’s fault.

One of the reasons why the Florida No Fault laws were created was to cut back on litigation for car accidents where people weren’t significantly injured. There are several thresholds that are set forth in Florida’s No Fault law that require certain significant injuries before you can recover from non-economic damages. These damages are commonly referred to as pain and suffering damages. If you did not die or suffer with a permanent injury or disfigurement and you were in an auto accident where PIP laws applied, you do not get to make a claim for pain and suffering. An understanding of medical and legal interplay in consulting with health professionals is a very important part of many auto cases in Florida. If you are unsure about your claim, contact our personal injury attorneys http://www.kuhllawfirm.com/contact-us/

The Kuhl Law Firm, P.A.
1100 Fifth Avenue South
Suite 307
Naples, FL 34102
(239) 309-7550


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