Florida No-Fault Insurance

We Navigate No-Fault Insurance & Focus on Your Maximum Compensation

Florida’s no-fault insurance law is complex and has recently changed. If you were involved in an auto accident in Clearwater, Dunedin, St. Petersburg, or Tarpon Springs in Pinellas County, you need an experienced accident lawyer like those at Paulsen Law Group to help navigate the provisions of this intricate law. We provide a comprehensive approach in handling your auto injury claim to maximize your chances of obtaining auto accident settlement for you.

The Requirements of Florida’s No-Fault Insurance Law

If you intend to drive a vehicle with four wheels in the state of Florida, you need to be familiar with Florida’s no-fault auto insurance law. The law requires that a driver purchase and carry an auto insurance policy.

Insurance policies must contain two specific types of coverage:

  • Personal Injury Protection (PIP) – Everyone who owns a registered motor vehicle in Florida is required to carry a minimum of $10,000 in PIP coverage. PIP covers you, your family, and other individuals riding in your car that are injured in an accident, regardless of who is at-fault. This coverage includes crashes involving pedestrians, bicyclists, and children injured on school buses. If you miss time from work because of your injury, PIP will pay up to 60 % of your gross average weekly wage for the time you lose. PIP also provides up to $5000 in death benefits.
  • Property Damage Liability (PDL) – Florida drivers are also required to carry a minimum of $10,000 in PDL coverage. PDL covers any damage that you, a member of your family, or any other covered individual causes to another person’s property while driving your vehicle. PDL will not, however, pay anything for damages that your car may have sustained. Although the state of Florida does not require drivers to carry insurance that covers their own vehicle, it may be advisable to do so.

Unlike most states, Florida does not require drivers to carry bodily injury liability (BIL) coverage, which covers the cost of the accident-related injuries of others when your car is involved in an accident. BIL coverage can pick up where PIP benefits leave off to help cover expenses.

Recent Changes in Florida’s No-Fault Law

Effective January 1, 2013, several reforms to Florida’s No-fault Auto Insurance Law took effect. Some primary changes to the law include:

  • Initial Treatment – People with injuries must seek medical treatment within 14 days of a car accident.
  • Type of Treatment – The treatment people choose will depend on the extent of their injuries
  • Emergency Medical Treatment (EMC) – The full medical benefit of $10,000 is available for emergency treatment provided by ambulance, at a hospital, or from a physician, supervised physician’s assistant, dentist, or advanced registered nurse practitioner. For non-emergency treatment, the medical benefit is $2,500. Although non-emergency treatment can be given by any provider, massage therapy and acupuncture is not reimbursable through PIP. If follow-up to medical care paid for by PIP is required, a referral from a physician, osteopath, dentist, or chiropractor is required.

What’s my auto injury claim worth?

Although there are personal injury settlement calculators available online that can help give you a rough estimate of the damages that might be included in your case, there is no universal, fool-proof method to figuring out what your case might be worth.

Typically, a liability insurance company will pay an injured party for:

  • Accident-related medical care
  • Lost income
  • Permanent disability or disfigurement
  • Loss of enjoyment of life
  • Pain and suffering
  • Property damage

When trying to determine what your case may be worth, your best option is to retain an accident lawyer who provides personal attention and works hard to get you fair compensation for your injuries. Our firm prides itself on providing top-notch customer service and strong legal representation.

Our Clearwater accident attorneys understand the Florida no-fault insurance law.

Paulsen Law Group has been taking the mystery out of the Florida no-fault insurance law for clients for more than 12 years. Contact us at (727) 270-8260 or online to schedule an appointment for a free initial consultation. We handle auto injury claims on a contingency basis, which means if you don’t recover, we don’t get paid. For dynamic representation in your auto injury claim, call our accident lawyers today.

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