In a majority of states, at-fault auto rules dictate that the auto insurance company of the individual who caused the car accident to occur is responsible for both their own damages as well as damage sustained by other drivers.
Florida is one of 12 states that identifies as “no-fault” states. In these states, all drivers must carry personal injury protection or PIP insurance, which pays out their medical expenses and any other damages related to the accident. Unlike at-fault states, no-fault states do not look at who caused the accidents to determine who needs to pay for it. Every driver’s PIP insurance will cover eligible losses.
If you’ve been injured in a car accident, and suffered more losses than your PIP covers, you may be able to file a liability insurance claim or a personal injury lawsuit. Taking this type of legal action allows you to recover additional losses including economic and non-economic damages associated with the car accident.