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An Overview of Florida No-Fault/PIP Insurance

Florida is a “no-fault” state, meaning that every driver has the right to recover personal injury damages from their auto insurance provider in the event of a car accident, regardless of who is to blame. For this reason, every Florida driver is required to purchase an auto insurance policy that has a minimum of $10,000 worth of personal injury protection (PIP) benefits. In the event of any accident that involves a vehicle, PIP coverage pays the policy holder compensation for their injuries in exchange for their right to sue for damages. It is important to note that PIP insurance will only cover your injuries, not those of any other involved parties.

Up to certain amount, PIP insurance is supposed to pay for:

  • Medical bills
  • Pain and suffering
  • Lost wages
  • Replacement benefits

Certain circumstances still remain, however, that may allow a driver to sue for compensation. Florida has a verbally distinguished “injury threshold” that, if exceeded, permits someone to sue an at-fault driver for monetary damages related to the crash.

Injuries that can surpass the injury threshold include:

  • Lasting disfiguration
  • Significant loss of bodily function
  • Permanent brain damage

To help determine if you qualify to sue for damages, it is best you contact a knowledgeable legal professional from our firm to discuss your legal options.

Injured? Contact an Experienced Martin County Attorney

If you have been injured in an auto accident, a Martin County personal injury attorney from Lauri J. Goldstein & Associates, PLLC can help you seek the compensation you deserve. We believe that everyone should have the opportunity to seek justice for their injuries, and we are eager to provide compassionate legal assistance to help you through your difficult time. Our firm accepts our cases on a contingency basis, meaning that if we don’t win, you don’t pay. When combined with our free case evaluations, you have nothing to lose. Our office is open 24/7 - call (866) 675-4427 today to discuss our case in further detail.