Florida No Fault Auto Insurance

No-fault insurance, also called "personal injury protection" (PIP), is a type of auto insurance in which the insurance company automatically pays for bodily injury damages to the policyholder (in the event of an accident) whether the accident is the policyholder's fault or the other party involved is at fault. No-fault auto insurance typically covers medical bills and lost wages, but it does not usually cover pain and suffering or any medical bills that exceed the amount of the policy.

In addition to Puerto Rico, there are currently twelve states that have adopted no-fault auto insurance laws. These include: Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New York, New Jersey, North Dakota, Pennsylvania, Utah, and Florida.

Florida no-fault auto insurance is the same as no-fault auto insurance in most states, meaning the auto insurance company automatically covers bodily injury damages resulting from a car accident - no matter who is at fault. In the state of Florida, no-fault auto insurance does not automatically pay for property damage to the policyholder's vehicle. The at-fault party is responsible for any property damages. Currently, Florida motorists must carry a minimum of $10,000 PIP and $10,000 of property damage liability (PDL).

Florida's no-fault system has somewhat of a sordid past. When Florida's no-fault auto insurance law expired on October 1, 2007, the law did not bind drivers from October 2007 until the beginning of 2008. After some much needed reforms in Florida's no-fault system (including reforms designed to combat medical fraud), the new and improved no-fault auto insurance law was reenacted in January 2008.

Florida drivers, get multiple free no-fault insurance quotes here at AutoInsuranceTips.com. Simply enter your zip code in the box above to begin.