In Florida, your insurance is responsible for certain injury related damages regardless who is at fault. This Personal Injury Protection (P.I.P.) coverage pays a percentage of your medical bills, lost wages, and some household services you are no longer able to perform as a result of your involvement in the accident, subject to any deductible you may have chosen when you purchased your policy. We recommend that you carefully consider if the small amount you save in choosing to have a P.I.P. deductible is the best decision for you. Florida law limits the circumstances under which a civil lawsuit for damages may be filed based upon injuries sustained in most automobile collisions. The personal injuries must meet minimum requirements which are commonly referred to as the personal injury threshold. Current provisions require that the injury consist at least, in part, of significant and permanent loss of an important bodily function; permanent injury within a reasonable degree of medical probability; permanent scarring or disfigurement; or death. No-fault pays benefits for medical bills, lost income and loss of household services only. It provides no compensation for pain, suffering, emotional distress, inconvenience or lost opportunities. No-fault coverage does not pay for medical bills and lost income higher than the PIP limits of each person's policy. PIP benefits often fail to reimburse fully for medical bills and lost income. No-fault does not apply to vehicle damage; those claims are paid under the liability insurance of the person at fault, or by your own collision insurance if you carry it.

Frequently Asked Questions

 


Q: What is no-fault automobile insurance?

A: In Florida, your insurance is responsible for certain injury related damages regardless who is at fault. This Personal Injury Protection (P.I.P.) coverage pays a percentage of your medical bills, lost wages, and some household services you are no longer able to perform as a result of your involvement in the accident, subject to any deductible you may have chosen when you purchased your policy. We recommend that you carefully consider if the small amount you save in choosing to have a P.I.P. deductible is the best decision for you. Florida law limits the circumstances under which a civil lawsuit for damages may be filed based upon injuries sustained in most automobile collisions. The personal injuries must meet minimum requirements which are commonly referred to as the "personal injury threshold". Current provisions require that the injury consist at least, in part, of significant and permanent loss of an important bodily function; permanent injury within a reasonable degree of medical probability; permanent scarring or disfigurement; or death.

  • No-fault pays benefits for medical bills, lost income and loss of household services only. It provides no compensation for pain, suffering, emotional distress, inconvenience or lost opportunities.
  • No-fault coverage does not pay for medical bills and lost income higher than the PIP limits of each person's policy. PIP benefits often fail to reimburse fully for medical bills and lost income.
  • No-fault does not apply to vehicle damage; those claims are paid under the liability insurance of the person at fault, or by your own collision insurance if you carry it.


Bookmark and Share

 

Lilly, O'Toole & Brown, LLP
Lakeland Office: (863) 683-1111
Bartow Office: (863) 533-5525M
Sebring Office: (863) 471-0003
Lake Wales Office: (863) 676-1991
Haines City Office: (863) 422-1282
Wauchula Office: (863) 767-1111

Also providing legal assistance to clients from:
Wauchula, Lake Placid, Avon Park, Plant City, Brandon, and Valrico, Florida.

©2010 Lilly, O'Toole & Brown, LLP, All Rights Reserved, Reproduced with Permission
The Best in Website Design for Attorneys, Attorney Web Blogs That Work, Attorney Search Engine Optimization, Optimized Video Services for Lawyers and Update Your Website Yourself
by Foster Web Marketing - The Best Attorney Website Design & Hosting Firm
Get SEO Tips from The Attorney Internet Marketing Blog
Florida Car Accident Lawyer | Florida Wrongful Death | Florida Nursing Home Abuse Lawyer | Florida Product Liability | Florida Insurance Dispute | Florida Sinkhole Attorney | Florida Commercial Law | Florida Defective Drugs | Florida Defective Medical Device | Florida Mesothelioma Lawyer