Glossary term
No-fault insurance
No-fault insurance: A system in which each driver's own insurer pays for their initial injury costs regardless of who caused the crash. Florida is one of about a dozen no-fault states.
Where this term matters
Guides and entries on this site that use the term.
Guide
Florida Car Insurance Minimum Requirements
Florida requires $10,000 PIP and $10,000 property damage liability. What that covers, what it leaves out, and why most drivers carry more.
Guide
Florida PIP and No-Fault Insurance Explained
How Florida's no-fault system works, what the $10,000 PIP benefit pays, the 14-day rule, and the permanency threshold for suing.
Entry
Why Florida Car Insurance Rates Are So High
A closer look at the five structural reasons Florida premiums are among the highest in the United States, and which ones are changing.
Entry
What Happens If You Are Hit by an Uninsured Driver in Florida?
Learn what covers medical bills and vehicle repairs after an uninsured crash in Florida, including PIP limits, tort rules, and uninsured motorist coverage.
Entry
Florida PIP 14-Day Rule Explained: Medical Limits and Requirements
Understand Florida's PIP 14-day rule under Fla. Stat. § 627.736, including the $10,000 benefit limit, emergency medical requirements, and filing deadlines.