No Fault Insurance in Florida

In Florida, you may hear drivers refer to their No-fault insurance or PIP (also known as Personal Injury Protection) set off. Under Florida law, all drivers of motor vehicles with at least four wheels (that’s right, golf carts and four wheelers qualify too!) are required to purchase an auto insurance police with two types of coverage:Property Damage Liability (PDL) and Personal Injury Protection (PIP). The state requires that each type must have a minimum amount of $10,000. See Florida Statute 627.736

Each type has its own distinction and is explained below:

Property Damage (PDL/PD) Insurance

PDL Insurance covers not only you, but also a family member or other covered person driving your vehicle who may cause damage to another’s vehicle while driving. For instance, if your spouse backs into the neighbor’s mailbox while using your car for the day, PDL insurance will replace your neighbor’s mailbox. However, PDL is just that –liability insurance for another person’s property that you cause damage to. It does not cover damages to your vehicle. Although highly recommended by all,Florida law does not require coverage that insures your own vehicle.

PIP Insurance

On the other hand, PIP  follows the person and is meant to provide at least some coverage for you and qualified parties.  With PIP, it is irrelevant who is at fault for the crash or injuries.  If a car accident occurs, a PIP qualification process initiates.  The hierarchy is as follows: (1) Do you have PIP or own and operable vehicle; (2) Do you live with a blood relative that has PIP; OR (3) Does the owner of the vehicle (you were in) involved in the accident have PIP.  It applies in these special scenarios as well:

Additional insurance, bodily injury liability ( BI ) is also available, but not required in the state of Florida. This insurance covers medical and funeral costs that you or a family member may cause while driving. BI insurance has its benefits because it covers you or another person driving your car when you are the main cause of an accident.   

Also, Uninsured and under insured motorist (UM) coverage  pays out if another driver causes an accident and is under insured.  UM provides liability insurance to cover you and the passengers’ in your vehicle.

If you have questions about your PIP benefits, please do not hesitate to contact us at Quattrochi, Torres, and Taormina, PA where we will put together a team of experienced personal injury attorneys to assist you in maximizing the best possible chance for your claim.

By nasser July 25, 2025
Navigate the complex legal process of wrongful death claims with confidence. This guide provides essential steps and insights to help you seek justice and compensation for your loss.
By nasser July 24, 2025
Learn how to navigate homeowners insurance claims after storm damage with our comprehensive guide, ensuring you get the compensation you deserve while minimizing stress. Discover essential steps, from understanding your policy to documenting damage and working with adjusters.
By nasser July 23, 2025
Discover when to call a lawyer after a boating accident in Florida to protect your rights and secure the compensation you deserve. This essential guide will help you navigate the complexities of legal action following a boating incident.
By nasser July 22, 2025
Acting quickly in personal injury cases is crucial for preserving evidence and ensuring your legal rights are protected. Don't risk losing your chance for compensation—learn why timely legal action matters!
By nasser July 21, 2025
Learn your rights after a car accident in Florida to ensure you receive the compensation you deserve. This essential guide covers immediate steps to take, your rights as an accident victim, and how to navigate the insurance claim process.
By nasser July 18, 2025
Don't risk your health or legal claims—discover why seeking immediate medical attention after an accident is crucial for your recovery and peace of mind. Learn the hidden dangers of delaying care and how it can impact your future.
By nasser July 17, 2025
Discover how Florida's comparative negligence rule impacts personal injury claims, ensuring fair compensation based on each party's fault. Learn the essentials to navigate your case effectively and maximize your recovery.
By nasser July 16, 2025
Maximize your homeowners insurance payout with the help of an attorney! Discover how legal expertise can simplify the claims process and ensure you receive the compensation you deserve.
By nasser July 15, 2025
Discover the top causes of motorcycle accidents and learn essential safety tips to protect yourself on the road. Stay informed and ride safely with our expert advice!
By nasser July 14, 2025
Navigating a personal injury claim can be overwhelming, but our comprehensive guide breaks down the essential steps and what to expect, ensuring you're prepared for the journey ahead. Discover how to protect your rights and secure the compensation you deserve!
Show More