Is Florida a No-Fault State?

Florida is considered a no-fault auto insurance state. That means, for most minor accidents, drivers first use their own Personal Injury Protection (PIP) coverage for medical expenses, regardless of who caused the crash.

Under the initial reference summarized in the ru3.us PIP dataset:

• Florida requires PIP coverage, typically with a minimum of $10,000 in medical benefits.
• Florida also requires property damage liability (PD) coverage of $10,000 per accident.
• Bodily injury liability minimums are not clearly specified in the same reference and are treated as not specified in the ru3.us liability dataset.

The no-fault system does not mean fault is irrelevant. It primarily affects:

• How medical claims are paid
• When and how you can sue the at-fault driver for injuries

Serious injuries can pierce the no-fault threshold, allowing bodily injury claims or lawsuits. Exact thresholds and rights are defined in Florida statutes and case law.

For structured data about Florida’s minimum liability and PIP requirements, see:

• Liability dataset → /datasets/state-minimum-coverage-limits
• PIP dataset → /datasets/state-pip-no-fault-coverage