Description: | Florida uses a no-fault car insurance model, meaning you’ll first recover damages through your own personal injury protection (PIP) coverage on your car insurance policy. The minimum PIP required in the state of Florida will help you cover medical expenses, lost wages, and other financial damages. If you’re in a situation where your PIP doesn’t fully cover your losses and the other driver is fully at-fault, the other driver’s insurance coverage will pay for all of your injury-related expenses. You may try to pursue reimbursement for your damages outside of court, but legal action may be required to get all of the compensation you deserve. Insurance providers offer less-than-ideal settlement amounts, but you do not have to accept them. You can bring a legal claim to the local court even if you are partially at fault for the accident. However, any compensation you receive from the lawsuit will be reduced by your percentage of fault. For example, if you were in an accident that resulted in $10,000 worth of damages, but you’re found to be 20% at fault for the accident, you’ll recover $8,000, not the full $10,000. |