Florida is a No-Fault State. What does No-Fault mean?
A no-fault state is one that has decided, through the laws of that state, that each owner and operator of a vehicle will be required to carry coverage on their automobile insurance to be used to cover medical expenses should an accident occur, regardless of who is at fault for that accident. This coverage, called Personal Injury Protection, PIP, or No-Fault, are all the same thing, and becomes primary over any other coverage, including health insurance, for medical expenses. In Florida, we are required to carry $10,000.00 in PIP coverage and this coverage will be paid out towards 80% of each medical expenses until it has been exhausted.