Florida No-Fault Insurance Law Explained

Florida No-Fault Car Insurance Laws

In car accident cases only, Florida follows a no-fault system, which means that after most traffic accidents, an injured person’s own insurance company will provide coverage for medical expenses and lost income, no matter who was at fault for the accident.

You can’t hold the other driver liable after a car accident in Florida, unless the “serious injury” threshold is met. So most minor accidents will fall under the no-fault umbrella. But you may be able to step outside of the no-fault system and file a liability claim against an at-fault driver in Florida if, as a result of the accident, you suffered:

• permanent injury
• significant and permanent scarring, or
• disfigurement.

Obviously, these terms are a little vague, so it will be up for negotiation as part of your claim whether certain injuries meet the “serious injury” threshold of Florida’s no-fault rules. This is where we step in.

At The McLeod Firm, we are aggressive in seeking compensation for the immediate and long-term needs of our clients. Insurance companies often make initial settlement offers that only consider current medical needs. Our lawyers seek to maximize the compensation our clients receive by seeking all sources of recovery, including insurance and other available assets for all of the damages that flow from these often life changing and tragic events.

Auto accidents involving catastrophic injuries or wrongful death are complex. We routinely work with medical professionals, life care planners, and vocational rehabilitation experts to determine the long-term medical needs of our clients as well their financial needs. Since we are committed to providing individually tailored legal representation focused on maximizing our client’s recovery, we must be selective in the cases we accept. We offer a free initial consultation to determine if we are the right firm to handle a case and we handle all our Florida car accident cases on a contingency fee basis. We are focused on maximizing the compensation received by auto accident victims with the most serious injuries