In Florida, automobile insurance is no-fault. Under the no-fault concept, you can collect from your own insurance company regardless of who is at fault in causing the damages and losses to you and your automobile. The purpose of the no-fault concept is to ensure that medical and property damage expenses are paid promptly no matter who is at fault. No-fault insurance is required for motor vehicles in Florida.

The Florida No-Fault Law requires any one who owns or has registered a motor vehicle with four or more wheels (excluding taxies and limousines), that has been in the state for at least 90 days during the past 365 days to have this. If you are involved in an accident, be sure that you understand your rights under your automobile insurance policy. Speaking with an attorney knowledgeable in personal injury law may be to your advantage in dealing with your insurance company. In Florida, the law provides for what is commonly referred to as no-fault law regarding automobile liability.

Anyone who owns or has a registered motor vehicle with four or more wheels, (excluding taxies and limousines), and it has been in the state for at least (90) days during the past (365) days, it is required to have insurance coverage as follows: (l) 10,000.00 in coverage for personal injury protection. (2) $10,000.00 in coverage for property damage liability. Personal injury protection does not provide liability coverage for bodily injury to others but is designed to provide medical coverage for an injured occupant of an insured vehicle.

There is no requirement in the State of Florida that a registered owner of an automobile carry bodily injury coverage to protect from liability that might arise from the operation of that vehicle. Since a large portion of the automobiles operated in the State of Florida carry only the mandatory insurance listed above as the personal injury protect and property damage liability, if your injury is severe, your chances of compensation against the average party are limited. Under insured or uninsured motorist coverage, if you choose to provide it on your own automobile, will be available to you in the event that you sustain a serious injury that falls outside the no fault perimeters for compensation above the personal injury protection available. For further information regarding this coverage and other effects of the no fault law on the operation of a vehicle in the State of Florida, please contact our office for a free consultation. You should also be aware that you must keep the mandatory insurance on any vehicle owned by you while reside in the State of Florida and failure to maintain insurance may result in the Department of Motor Vehicles notifying you that your driving license and tag may be suspended for up to (3) years. If your drivers license and tags are suspended for not having insurance under the No-Fault Law, you may have to pay $150.00 until proof of insurance is shown to get them back.