The term no-fault is a source of the most common confusion when it comes to car accidents in Florida. No-fault does not mean that there is no fault attributed in a motor vehicle accident but rather has to do with how insurance claims for injuries are filed after an accident.
In Florida, every automobile driver is required to carry personal injury protection with a minimum of $10,000 in coverage. If an accident occurs and there are injuries sustained, each injured party will file an injury claim with their own insurance company regardless of who is at fault for the accident.
However, if your injuries are serious and exceed your policy coverage you may seek additional compensation for your losses against the at-fault party. In other words, even though Florida is considered a no-fault state and your primary source of recovery for your injuries is your own insurer, at-fault parties can still be liable for the damages they have caused to you when those losses exceed the limitations of your PIP coverage.