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Is Florida a No-Fault Auto Accident State?


Aerial photo of a car accident with police directing traffic in florida

Anyone who wants an automobile in the state of Florida must possess at least the minimum car insurance coverage on that auto. To this end, it is crucial you hire a car accident lawyer and become familiar with the state car insurance policy in case the need arises.

Florida is a no-fault auto accident state. This means the process of claiming the insurance becomes more efficient after a car accident, given that your insurance covers your medical bill and other related expenses. However, the state limits your ability to file a lawsuit for non-economic losses. 

In addition, the minimum car insurance in the state includes Personal Injury Protection (PIP) and Property Damage Liability (PDL). The PIP covers you and selected others, while the PDP covers the damage done to another individual’s vehicle in an accident you caused.

The Basics of No-Fault Auto Accident in Florida 

Florida is one of the many states in the United States that follows a particular version of the no-fault auto accident. This means after a car accident, your insurance, which in the state of Florida is your PIP coverage, pays for the medical bill as well as other economic losses that may result from the accident. 

There is a limit to the losses that this insurance covers. For example, you will not get compensation for “pain and suffering” or “discomfort” because they are non-economic damages.

However, it is possible to get compensation for the non-economic damages or to file a lawsuit against the driver that caused your “pain and suffering” or “discomfort.” If the injuries incurred from the accident meet the threshold of Florida Serious Injury Law, you can file for non-economic damages.

The no-fault auto accident in Florida does not cover vehicle damage claims after the accident. However, liability claims for damages done can be filed against the driver that caused the accident. This time around, there are no limitations.

Who Does the No-Fault Auto Accident in Florida Cover?

  • The no-fault auto accident in Florida is always applicable regardless of who caused the accident. In addition, the benefits of Personal Injury Protection (PIP) cover more than the policyholder. The PIP coverage applies to the following individuals.
  • The policyholder.
  • The offspring of the policyholder. In this case, it is also applicable if the kid got injured in a school bus accident.
  • The policyholder household members.
  • Majority of passengers without PIP coverage, as well as vehicles.

The PIP coverage still applies to the policyholder even if they are a passenger in the vehicle, a pedestrian on the road, or a cyclist hit by a vehicle.

What is Florida Serious Injury Law?

To file a case for non-economic damages against the individual who caused the accident, the injuries incurred must be serious. For an injury to be classified as serious in the state of Florida, the auto accident must have resulted in at least one of the following:

  • Permanent loss or damage of a significant body function.
  • Permanent injury, however, with a likelihood of medical probability.
  • Significant permanent scarring.
  • Permanent dismemberment.
  • Death.

If you encounter any of these from a car accident, there are no limits to your PIP claims, as you can now file for compensations for non-economic damages. You can also file a lawsuit against the driver at fault through a personal injury lawsuit or third-party car insurance coverage.

Minimum Requirement for No-Fault Auto Accident in Florida

To register your auto in Florida and drive it legally, you must possess:

  • $10,000 in Personal Injury Protection (PIP) benefits.
  • $10,000 in Property Damage Liability (PDL)benefits.

The state does not make it mandatory for drivers to be responsible for liability coverage for bodily accidents on others that they might have injured from an accident the policymaker caused. 

The Bodily Injury Bill (BIL) covers this. However, you must note that if you are responsible for an auto accident that puts an individual in the serious injury threshold and they eventually sue you without BIL coverage, you become responsible for their damages.

Schrier Law Group

For more answers to your questions regarding state car insurance policies, get in touch with our award winning car accident attorneys and book your free consultation today!

Read Our Reviews

Schrier Law Group is rated 5 out of 5.0 stars based on 22 review(s).


My name is David and I’ve been represented by mr. Schrier law firm twice in my life and I got nothing more then good things to say about them they are very professional and they really Take their clients I really recommend them every time I called them they were always there for me especially the attorney he’s very professional and he got me the money did I deserve by representing me and fighting for me I will use their services again them no questions asked if I ever need them to me they are the best God bless them all

David Cuello


The firm is super professional and handled my husbands vas amazingly. I should refer them to some in need of an attitude.

Isabel Sabrina De Ramirez


The Schrier Law Group are hands down the best and should be your go to for all your legal troubles. They are such professionals; efficient, persistent and don’t take no for an answer. Thank you so much Chatriece, Geissie, Paul & everyone at Schrier Law Group for your patience and making my win possible!

Marika Ford


Shrier Law Group extremely thorough. A really caring Law Firm. My previous lawyer sat on my case for 2 years did nothing with it by chance came across Mr Paul schreier firm and explaining my case he noticed I was not hopeful but he was able to encoirage me and was able to resolve my case within a year I'm so grateful for Mr Paul Schrier and Mrs Chatrice. They go above and beyond. 20⭐

West Jean


I must say that Mr. Schrier was there when we needed immediate advice after my wife got rear-ended by an unlicensed speeding lunatic. We called a handful of attorneys in our area, but after waiting 2- 5 days they would drop her case. We found Mr Schrier online and he explained the pros/cons and he took the case. We waited patiently, and in time he was able to tracked down the actual owners of the car and get their auto insurance info!

Gerard Avalos


The firm pays close attention to locating every possible insurer liable for my injuries. They return my calls in 24-48 hours. Friendly staff who care.

Mr K


Attention to detail with the different insurance coverages. Returned my phone calls, which is very important.

David Kuczenski


The Schrier LG is an excellent firm! They accepted my case, provided me with all the procedural information, maintained a high level of professionalism while showing kindness and care. The doctor's office that they suggested is another group of kind and considerate individuals, dedicated to my full recovery. I would recommend the Schrier Group to friends, just as they were recommended to me. I am happy with my settlement and very pleased with the attention and diligence of the group as a whole. Thank you again!

Michaela Davis


Mr. Paul Schrier is by far the best attorney for the job! He is very responsive, knowledgeable, and very efficient. Despite my very busy schedule, he kept me informed throughout the process. I am very please with the outcome of my case. The customer service I received from the entire team has been amazing! Thank you all so much!

Ms. Jean


Not only did I get a phenomenal attorney to represent me in my case, but I also got a step by step education on how the legal process actually worked. I was encouraged to ask questions and be an informed client. I was never treated like a case. I truly felt like the advice and recommendations he gave to me would have been the same he would have pursued if he were the client. That was important to me. I needed to work with an attorney I could trust with my best interest in mind...and that is what I got with Paul Schrier.

Juan Rodriquez


I was involved in an auto accident in January 2016. We decided to contact Paul K. Schrier, PLLC for legal advice. He never got annoyed with me calling to ask questions, which was quite often. We have finally reached the final stages of this case, which they handled very well, and have come to a settlement. I highly recommend the Florida personal injury attorneys at The Law Offices of Paul K. Schrier, PLLC, especially Paul K. Schrier to any one who needs a personal injury attorney. Thank you very much Paul for everything you have done do me.

Martin Tyler


I called to ask some question about a car accident I was in. I spoke to Paul who was very helpful, honest and professional. It seems that he really care about clients. I appreciate all that Paul did and would certainly recommend to anyone who needs an attorney.

Mark Anderson


Best attorney around , I went through a lot of different ones before finding his law firm very professional and they make sure you get paid what you deserve, highly recommend.

Braulio Duran


Thank Paul for everything your personal injury law firm has done for my case as well as my daughter. Thanks for all the hard work and attention. Thanks again!

Maria Jaz


This is one of the best law office in Miami come in and check them out great people

Rowdy Martinez


Best attorney in South Florida

Fefe Alex


Was a wonderful experience getting through a tough process!

Edward Pawley


Both my wife and I feel grateful for the treatment and the professionalism of the staff. Maritza is great doing her job. It is the second time that I request your services and we are pleased and grateful. Many blessings to this Law Firm

Reynier Perez


Awesome wonderful patient Intelligent thoughtful Paul is the best

Theresa Caprice Caprioli


Thank you so much for going above and beyond what I had ever anticipated. It was truly a pleasure to work with you all, especially Chatrice. I will most definitely refer The Schrier Law Group to my family and friends.

Cat Breen


Schrier Law Group is the best.

Chatrice Telfort


Great job! I loved working with Paul.