A common misconception that we encounter frequently is about the applicability and meaning of Florida’s “No Fault” law. When a car accident happens, law enforcement arrives to the scene and makes a determination regarding who is responsible for the accident. Most times the person that was found to have caused the accident believes that Florida’s “No Fault” law means that the driver deemed responsible for causing the accident is therefore responsible for not only fixing the car, but for taking care of their injuries as well. This is when those adversely affected by a car accident become confused. Florida “No Fault” actually means that the driver who caused the accident is liable for repairing your vehicle not paying for your personal injury.
Following a car accident, one of the first things that everyone involved in the accident needs to do is call their own insurance company. One reason it is important that you call your own company is so that you can initiate your own benefits. With Florida “No Fault”, Florida requires that we carry certain coverage on our own policies to assist with our ow medical bills. Further, it is important that the driver who caused the accident place their insurance company on notice, especially if they were determined to be at fault for the accident. Their insurance company needs to be aware so that they investigate how the accident happened. Their insurance company will take steps to assist you with repairing your vehicle and/or providing bodily injury coverage if the driver purchased coverage for your injuries once their investigation is complete, and if they find that their insured caused the accident. Florida “No Fault” does not require any driver in Florida to carry coverage if they injure another person, unless the driver has been convicted of a DUI. Due to the nature of the Florida “No Fault” law, it is imperative that drivers in Florida maintain sufficient coverage to assist themselves if they are injured in an automobile accident.