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What Does a No Fault State Mean for Florida Drivers?

Many people are confused about what the no fault law in Florida really means for anyone who is involved in a motor vehicle accident. It does not mean that no one is to blame for causing an accident, or that it doesn’t matter who is to blame. Instead, “no fault” means everyone who owns a motor vehicle registered in the state is required to purchase Personal Injury Protection (PIP) insurance coverage of at least $10,000. This coverage applies toward their own medical expenses and any lost wages resulting from their accident, regardless of who was at fault.

Unfortunately, many people will find that the minimum required coverage of $10,000 is simply not enough to pay for their actual damages. Therefore, it can be critically important to establish who was at fault for an accident, and whose insurance carrier will be responsible for paying for damages.

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