Is Florida still a no-fault state?
Asked by: Edyth Stokes | Last update: September 29, 2025Score: 4.2/5 (29 votes)
Yes! Florida is a no fault state. In fact, it is one of 12 different states throughout the country that have no fault laws on the books. Drivers in some states, like Kentucky, New Jersey, and Pennsylvania, can choose to opt out of a no fault policy, but in Florida, no fault insurance is mandatory.
Who pays for car damage in a no-fault state in Florida?
Florida is a no-fault state, which means each driver carries their own insurance to cover medical bills and car repairs up to a certain amount. More specifically,Florida Statutes § 627.736 requires drivers to carry PIP and property damage coverage policies of up to $10,000.
What does it mean when Florida is a no-fault state?
The No-Fault Law in Florida means that all motorists are covered against personal injury damages of up to $10,000 under the minimums required in the state of Florida.
Is Florida a no-fault state in 2024?
As of 2024, Florida remains a no-fault state. This means drivers must continue to carry PIP coverage as part of their auto insurance policy. Residents should stay informed about their insurance options and consider additional coverages, such as bodily injury liability, to ensure comprehensive protection.
What happens if you are at fault in a car accident in Florida?
Florida follows a fault-based system, meaning the person found responsible for causing the accident must compensate the other party for their damages, including medical expenses, vehicle repairs, and lost wages.
Florida Is A No Fault State, What Does That Mean? |The Reyes Firm
Can you sue in a no-fault accident in Florida?
If not, you may be able to sue, though the Florida no-fault law is very specific about when this is permissible. According to § 627.737, you can only sue for accident-related damages if it results in: Significant and permanent loss of an important bodily function. Permanent injury.
Who is at fault in a rear end collision in Florida?
Though the driver behind you is often at fault in a rear-end collision, you should note that your own actions could affect your claim under Florida's statute on comparative negligence. If you contributed to the accident, your compensation may be reduced by the amount of blame attributable to you.
Why did Florida become a no-fault state?
In 1971, Florida was the second state to adopt a “no-fault” insurance policy. Its original intention in doing so was to reduce the number of personal injury claims that are filed following a car accident and to allow faster access to insurance coverage for medical expenses and lost wages.
What is the new insurance law in Florida in 2024 explained?
Flood Insurance Mandates (These changes became effective on May 13, 2024, the day Governor DeSantis signed the bill.) Citizens policyholders who must purchase flood insurance as a condition of eligibility for Citizens are no longer required to purchase flood coverage for personal contents.
Does insurance go up if not at fault Florida?
This is outlined in the Florida Statutes § 626.9541, which prohibits insurers from increasing premiums or canceling policies due to accidents where the insured was not at fault.
What happens if person at fault has no insurance in Florida?
Any person in Florida who is found driving without the minimum amount of coverage will face very serious consequences. They could face license suspension, license plate confiscation, and even serious criminal charges.
Is Florida a no-fault state in parking lots?
Brief Guide to Florida's Parking Lot Regulations
Under Florida's no-fault insurance statute, outlined in § 627.4707, Fla. Stat. (2023), motorists are mandated to have personal injury protection (PIP) and property damage liability (PDL) coverage.
How does Florida no-fault accident work?
Unlike many others, Florida is a no-fault automobile insurance state. This means that all drivers are required by law to carry personal injury protection (PIP) insurance and other coverages. This ensures that certain costs incurred as a result of an accident are covered, no matter who is at fault.
Can I lose my house due to at fault car accident in Florida?
No, you cannot lose your home due to an at-fault car accident in Florida. The Florida homestead exemption protects your primary residence from being taken or sold to satisfy a judgment, even if you lose a car accident lawsuit.
Do I have to pay my deductible if the accident wasn't my fault in Florida?
However, this is normally not the case. In the State of Florida, you have to pay your deductible even if the accident was not your fault.
What is the 90 day rule in Florida insurance?
If the insurer elects to nonrenew a policy covering a property that has been damaged, the insurer shall provide at least 90 days' notice to the insured that the insurer intends to nonrenew the policy 90 days after the dwelling or residential property has been repaired.
What new laws go into effect on July 1, 2024 in Florida?
Since the start of the year, Governor Ron DeSantis has signed over 180 bills from the 2024 Legislative Session into law that went into effect on July 1, 2024. Some notable laws include allowing patriotic organizations in schools, HOA fine limits and transparency, and changes in eviction laws.
How much is the average homeowners insurance in Florida 2024?
As of 2024, the average cost of homeowners insurance in Florida is projected to be approximately $11,759, reflecting a 7% increase from the previous year. This figure is significantly higher than the national average of around $2,377, highlighting Florida's unique risks, including hurricanes and flooding.
Can you sue in a no-fault state Florida?
A6: Yes, you can sue for pain and suffering from a car accident in Florida. Under Florida's no-fault system, pain and suffering is available for those who have sustained a serious injury.
Why is Texas a no-fault state?
No, Texas is NOT a no-fault state. Instead, Texas operates under a traditional fault-based system, known as a tort liability system. In this system, the party responsible for causing an accident is held financially liable for any resulting damages.
Why doesn't Florida have earthquakes?
“Most earthquakes occur along or very near to tectonic plate boundaries, and Florida is in the North American plate, fairly far from a boundary. But they do still happen here, rare as they are,” said Oliver Boyd, a USGS research geophysicist.
Who pays for damage in a car accident in Florida?
Generally speaking, your property damage costs will be paid by your insurance company. However, if the other driver was at fault and you suffered significant injuries in addition to property losses, you can seek reimbursement through the other driver's insurance company.
Is it worse to be rear-ended while stopped?
This situation is hazardous when the car in front is not moving at all, like at a stop sign or red light. Hence, the sudden impact can cause severe injuries and substantial vehicle damage. Moreover, the severity of these accidents is not to be underestimated. Rear-end crashes are just as deadly as they are expected.
What is the average payout for a rear-end collision in Florida?
$175,000 – Rear-Ended Car Accident Settlement Payout
According to the car accident case examples on this page, the average settlement for a rear-end collision in Florida is between $175,000 and $435,000. The amount of compensation you can expect varies greatly depending on the circumstances of the accident.