Is Florida a No-Fault State for Auto Insurance?

Florida is a no-fault state for auto insurance. That means that the state of Florida requires that all automobile drivers in Tampa have personal injury protection (PIP), also known as no-fault insurance. Whether or not you are at fault in an accident, your insurance company is responsible for covering medical expenses, lost wages, and some other ancillary support services.

The benefit of no-fault insurance is that you are protected even when you have been injured as a passenger in someone else’s car, or on a bus. Being a no-fault state also means that you are not necessarily responsible for the injuries that occur to the other passengers in your car. For example, if your children and their friends were in the back seat, your children are probably going to be covered under your PIP but not their friends. Their friends should be covered under their parents’ own PIP insurance coverage. Drivers in Tampa are also advised to purchase uninsured motorist coverage, which would prevent you from being sued by an uninsured party in your vehicle.

People often run into trouble when filing claims on their personal injury protection insurance. The insurance is supposed to cover things like medical expenses, lost wages, and potentially other services like child care if necessary. However, insurance companies often try to deny claims because that is how their business model works. In Tampa, a Personal Injury Protection Insurance Attorney helps people to successfully receive their just compensation or to understand their rights in a PIP case. A PIP insurance attorney in Tampa also helps with special situations in which the damages are not actually covered under the PIP auto insurance policy, such as if the driver suffers permanent damage from the accident or has a long-term medical condition not covered.

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