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What Is No-Fault Insurance All About?


Florida is one of 12 states in the nation that observes a no-fault insurance system, and this system is one you should get to know, especially if you’ve been injured in an automobile accident. With no-fault insurance, insurance companies cover the damages incurred by their policy holders regardless of who was at fault for the accident. What this means is that whether you were in an accident due to another party’s negligence, or you caused the accident, any injuries and damages will be compensated for by your own insurance provider, and you won’t need to fight with the other party’s provider to get the compensation you need.

However, the PIP (or personal injury protection) policy of your no-fault insurance plan won’t always be able to cover enough of the damages if you have been permanently injured or a loved one is killed in an accident. In these cases, if the accident was caused by another party’s negligence, one may pursue a personal injury lawsuit against the other party to cover the damages that go beyond their own PIP policy. In these instances, the ability to pursue a lawsuit can be of great help to the injured party in terms of helping to recover from serious psychological or physical injuries.

What Will My No-Fault Insurance Cover?

It’s important to know what your insurance policy will cover in the event that you are injured in an accident. Your no-fault insurance will typically cover any injuries and all of their resulting costs, but not property damage as this will be covered under your liability and collision policies, rather than your PIP policy. Exactly how much your insurance policy will pay for bodily injuries will depend on your particular policy and policy provider.

Costs directly associated with bodily injury are covered under no-fault insurance, and these include medical bills and necessary medication costs. One big benefit to no-fault insurance in these cases is that these bills will often be paid quickly, and the injured party won’t need to wait for a lawsuit to settle before receiving compensation.

Other losses related to your injury may also be covered with your no-fault insurance, but this will again depend on your particular policy. Lost wages resulting from your accident, or necessary household help if recommended by your doctor while you’re recuperating are damages that your personal injury policy may cover to compensate for your losses.

What If My Insurance Can’t Cover It All?

When you’re seriously injured during an accident, or a loved one is killed, the payout provided by your policy may not be enough. The continued care of permanent disability can be expensive and difficult, and there are many damages incurred due to a loss of a loved one, and you don’t need to go without simply because what insurance is able to provide has run out. In these instances only, a person injured in an accident due to another party’s negligence may pursue a personal injury lawsuit in order to cover the remainder of the damages.

This personal injury lawsuit can cover a multitude of different things, including lost support, future and past lost wages, and continued medical care. However, in order to pursue this lawsuit, one must be able to prove that another party’s negligence has caused the accident and resulting injury, and the suit must be filed within 4 years of the accident occurring.

In the state of Florida, it’s important to know the ins and outs of the no-fault insurance system, and what happens when injury severity exceeds what their insurance is able to cover. By fully understanding your no-fault insurance, you’re completely prepared should you find yourself with an unexpected accident injury.

During his time as a public attorney for the State of Florida, Bernard Walsh developed a passion for defending the legal rights of Florida's citizens. Having seen many people being taken advantage of after being injured and the financial harm that can cause for families he committed himself fully to helping injured clients get justice, by fighting to make greedy insurance companies pay what they owe.

What Is No-Fault Insurance All About?

Goldman Babboni Fernandez
Murphy & Walsh




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