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Is No-Fault Insurance Mandatory in Florida?

Published in Insurance 1 min read

Yes, Florida requires all drivers to carry no-fault insurance, also known as Personal Injury Protection (PIP).

This means that if you're involved in a car accident, your own insurance company will cover your medical expenses, regardless of who caused the accident.

Florida's no-fault insurance system is designed to simplify the claims process and reduce the number of lawsuits.

However, there are some limitations to no-fault coverage:

* **Limited coverage:**  PIP benefits are capped at $10,000 per person, per accident.
* **Limited benefits:**  PIP covers medical expenses, lost wages, and other related expenses, but not pain and suffering.
* **Threshold for lawsuits:** You can only sue the other driver for pain and suffering if your injuries meet certain thresholds, such as:
    *  Permanent injuries
    *  Significant disfigurement
    *  Death

It is important to understand the limitations of no-fault insurance and ensure you have adequate coverage to protect yourself in the event of an accident.

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