man on the phone with insurance after a car accident

Florida’s No-Fault Insurance Laws

Florida is one of about a dozen states that operates on a no-fault system. While states with a fault-based system allow you to hold a negligent driver accountable, no-fault states typically require you to go through your insurance provider unless certain circumstances exist.

Insurance companies offer PIP coverage in Florida, or personal injury protection. With PIP coverage, you can file a claim with your insurance company for any injuries you sustain. PIP also provides coverage for members of a policyholder’s home, policyholder’s children, and passengers who may not have their own coverage.

Despite Florida’s no-fault system, it’s still vital to take specific steps after a crash. If your crash results in you exceeding the serious injury threshold, you may have additional rights to pursue compensation for your damages.

What Is the Serious Injury Threshold?

Under Florida law, you can go beyond your insurance provider and file a liability claim against someone else for negligence when your injuries qualify as serious. The following injuries can help you file a claim and pursue compensation from a liable party’s insurance company:

  • Any significant disfigurement
  • Severely broken or fractured bones
  • Loss of body organ or system function
  • Full disability lasting longer than 90 days

Some of the most catastrophic injuries are traumatic brain injuries, spinal cord damage, internal organ damage, and amputation.

Whether you file a claim with your insurance provider or you need to file a liability lawsuit, it’s essential to have strong legal counsel. Working with insurance adjusters alone can prove challenging, but a lawyer helps level the playing field and protect your rights.

Our car accident lawyers represent clients all throughout Florida. With Burnetti, P.A., you get our family helping your family, utilizing significant experience and tenacious advocacy to obtain the compensation you deserve when you need it most.

Call our firm today at (888) 444-8508 for a free consultation to discuss your case.