What is meant by Florida being a "No Fault" State?
Florida is one of twelve states that is considered a “no fault” state, but never listen if someone tells you this means you can't sue for damages in a car accident case. No fault, while a confusing term, is in relation to insurance coverage and how damages are approached.
What is a No Fault State?Many people are confused when they hear the term "no fault" in relation to a state's personal injury auto accident laws. Florida is one of twelve states that is considered a "no fault" state, but never listen if someone tells you this means you can't sue for damages in a car accident case. No fault, while a confusing term, is in relation to insurance coverage and how damages are approached. Here is an overview of what a no fault state is, how it works and why you are still entitled to compensation for your personal injuries.
No Fault State.There are twelve states in the U.S. that are designated as "no fault" insurance states. Other categories of insurance liability laws include choice no-fault, tort liability and add-on insurance. Each has its own subtle differences in how damages from auto accidents are covered. Florida is considered a no fault state.
What is No Fault Insurance?Put simply, no-fault insurance is a concept put in place to help lower the costs of insurance premiums and keep small claims out of court. In a no-fault situation, each insurance company handles the claim of its own policy holder for minor damages and injures regardless of who was at fault in the accident. It does not mean that nobody was actually at fault, but simply that when it comes to minor damages, fault isn't taken into account.
The Bare Minimum Insurance Required.Every driver in Florida is required to carry minimum insurance levels to ensure that everyone is protected in case of an accident. These minimum levels are $10,000 in personal injury protection and a like amount in property damage liability. The idea behind this is that if you are found to be liable for damage to another through an accident, this coverage should help to cover what you owe.