Understanding Florida’s No-Fault System
Florida is one of the nation’s largest pure no-fault insurance states under Florida Statutes § 627.736. Regardless of which driver causes an automobile accident, all parties must turn first to their own insurer to cover medical expenses and lost wages.
The Mandatory 10/10 Financial Responsibility Requirement
Florida motorists must maintain two core coverage components: $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL).
The 14-Day Medical Rule
Under Florida law, injured drivers must receive initial diagnostic medical care within exactly 14 days of the accident or forfeit all PIP benefits.