How long has Florida been a no-fault state?
The Sunshine State first adopted no-fault car insurance in the 1970s, dropped it on a technicality in 2007 and immediately reenacted it. When fraud persisted—aided by lawyers, doctors and auto glass contractors—Florida became one of the least affordable states for car insurance.
Is Florida still a no-fault state in 2022?
Florida is a no-fault state. No-fault law means that, regardless of who is at fault, your own personal injury protection insurance will step in to provide coverage up to the policy limits. Unlike most other states, residents of Florida are not required to have bodily injury liability.
Who pays for car damage in a no-fault state Florida?
Due to Florida's no-fault laws, your insurance will pay for your auto repair after an accident you did not cause in Florida. However, if the costs of damages exceed your policy limits, you may qualify to recover additional compensation elsewhere.
Why is Florida a no-fault state?
Florida is called a No Fault state because it has a law requiring a type of car accident insurance that pays regardless of who was at fault for the accident. This type of insurance coverage is called No-Fault insurance or Personal Injury Protection (PIP).