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.



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Also providing legal assistance to clients from:
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