If you’ve been injured in a car accident in Florida, one of the first things you’ll hear about is the state’s no-fault insurance system. While it sounds straightforward, many drivers are surprised to learn how it actually impacts their ability to recover damages.
Florida law requires drivers to carry Personal Injury Protection (PIP) insurance. After an accident, your own PIP policy is meant to cover medical bills and lost wages, regardless of who caused the crash. However, PIP coverage is capped at $10,000 — an amount that doesn’t go far when you’re facing hospital bills, rehabilitation, and time off work.
This is where a personal injury attorney becomes invaluable. If your injuries are considered “serious” under Florida law, you may be able to step outside the no-fault system and file a claim against the at-fault driver. Proving the severity of your injuries and navigating the legal thresholds takes experience, and an attorney can ensure your case is presented effectively.
Car accidents can change your life in an instant, leaving you with long-term financial and physical challenges. Working with a skilled attorney gives you the best chance of recovering the compensation you truly need — not just what PIP covers.