No Fault Insurance

What Is The Purpose Of No Fault Insurance?

The no fault law was introduced in the early 1970's to prevent small car accidents from becoming major law suits. Insurance companies were spending a lot of money to defend against minor claims, so a law was introduced to try to settle these issues without litigation. There is now a threshold for legal action but, if your injuries or damages resulting from a car accident exceed the minimum protections, consulting an attorney is vital. The Coye Law Firm can help you reclaim the money you need to recover fully. 

Required Insurance Coverage in Florida

The current no fault insurance system is sometimes confusing. Instead of the at-fault driver or their insurance company paying for a victim's injuries, the victim's own insurance company pays for them up to the required minimum coverage of $10,000 Personal Injury Protection (PIP) In addition to PIP coverage, an additional $10,000 is expected to cover a driver in the event of property damage. This system is designed to make the payment faster and allow the victim to recover faster. The system, however, limits the victim's rights to pursue lawsuits.

Every driver and car owner in the state of Florida is required to have coverage including $10,000 PIP. 
Some drivers are not required to have PIP for themselves or passengers in specific vehicles. These vehicles include:
  • School buses (injured children are protected by their parents' coverage)
  • Limousines
  • Taxicabs
  • Motorcycles and other vehicles with less than four wheels
  • Vehicles that aren't self-propelled, such as mobile homes or inoperable vehicles.

What Happens to Uninsured Drivers in Car Accidents?

If an uninsured driver is in a car accident, they are not protected from a lawsuit and they can be held personally liable for the victim's damages and injuries over their $10,000 protection. The victim has 35 days to submit their medical bills if they are seeking compensation for their injuries. If the insurance company receives notice from the physician within 21 days of medical treatment is beginning, they can take up to 75 days to submit medical bills. 

Some frequently asked questions about no fault insurance and accidents are answered at the Florida Department of Highway Safety and Motor Vehicles.

It is very important that paperwork is filed on time with the correct information when dealing with a car accident. Making sure that the police report and insurance communications are accurate can save you time in your recovery. The no-fault insurance attorneys of Coye Law Firm can help explain your rights if you are involved in a car accident and have no-fault insurance.


Call 407.648.4940 or contact Coye Law Firm today for a free consultation about your case.

The expert injury attorneys at Coye Law Firm are experienced with Florida, New York, Michigan, and District of Columbia law and are here to help the injured.

If you'd like to learn more about injury law and your rights, read my book, Sharing the Secrets, Learning the Lies: A Guide to Florida Personal Injury

From this book you will learn… 

  1. The ONE THING you must do within 14 days of your accident (page 46)
  2. The two most important factors in determining case value (page 8)
  3. How to understand what your insurance will and will not cover (chapter 3)
  4. 6 critical steps you must take after an accident (chapter 7)
  5. Why you should not trust the insurance company’s repair shop (page 78)
  6. How to choose the right doctor (chapter 5)
  7. A claim you could make against your own insurance company if your car is damaged, but not totaled (page 87)
  8. The secrets to getting a fair settlement (chapter 10)
  9. An 8-step breakdown of the normal process for lawsuits (page 121)
  10. The one 4-letter word that might cost you (chapter 12)
  11. How to start gathering the most important evidence you need (page 75)
  12. …and more!

Click here to receive your FREE copy now.