Florida’s no-fault auto insurance system can be confusing for accident victims. If you’ve been injured in a car crash, you might wonder: Who pays for my medical bills? Can I sue the other driver? How does Personal Injury Protection (PIP) work?
At Landry Legal, PLLC, we help injured Floridians understand their rights and recover the compensation they deserve. This guide breaks down Florida’s no-fault laws and what they mean for your personal injury claim.
What Is Florida’s No-Fault Auto Insurance?
Florida is one of the few states that follows a no-fault auto insurance system. This means that your own insurance pays for your medical bills and lost wages, regardless of who caused the accident.
Every Florida driver is required by law to carry Personal Injury Protection (PIP) insurance, which covers up to:
✔ $10,000 in medical expenses (80% of reasonable medical costs)
✔ $10,000 in lost wages (60% of lost income due to injury)
✔ $5,000 in death benefits for fatal accidents
🚨 But here’s the catch: PIP does not cover pain and suffering, and the $10,000 limit often isn’t enough for serious injuries.
Can You Sue for Additional Compensation?
Yes—but only in certain cases. Florida law allows you to file a lawsuit against the at-fault driver if your injuries are considered severe.
✔ You can step outside the no-fault system and sue if you suffer:
- Permanent injury
- Significant scarring or disfigurement
- Loss of an important bodily function
- Wrongful death of a loved one
If your injuries qualify, you may be able to seek full compensation for:
✔ Medical expenses beyond PIP limits
✔ Lost income and reduced earning capacity
✔ Pain and suffering damages
What to Do After a Car Accident in Florida
✅ Seek medical treatment immediately. Florida law requires accident victims to receive treatment within 14 days to qualify for PIP benefits.
✅ Report the accident. Call the police and document everything (photos, witness statements, medical records).
✅ Contact a personal injury lawyer. A skilled attorney can help determine if you qualify to sue for additional damages.
🚨 Don’t let insurance companies pressure you into a low settlement. Their goal is to save money—not to help you recover fully.
Need Help with a Florida Car Accident Claim?
Florida’s no-fault insurance laws can make it tough to get full compensation after an accident. If you’re struggling with medical bills, lost wages, or insurance denials, Landry Legal, PLLC can help.
📞 Call us today at 888-914-0011 or email us at contact@landrypllc.com for a free consultation.
