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Car Accident AttorneyUnderstanding Florida’s No-Fault Car Insurance System with Help from a Car Accident Attorney

Florida’s unique no-fault car insurance system can be complex and often perplexing for drivers. Understanding its workings and knowing when to consult a Car Accident Attorney in Orlando FL is vital for protecting one’s rights and receiving fair compensation in case of an incident. If you or a loved one has been injured in a car accident, feel free to book a free consultation with Shea at 407-539-0123 or fill out this form, and she will contact you soon.

What Is No-Fault Car Insurance (PIP) Covered By an Automobile Accident? 

No-fault auto insurance provides immediate medical benefits and financial support to injured parties involved in an automobile accident, regardless of who caused it. It aims to speed recovery efforts by decreasing the time and costs involved with determining fault after an incident, expediting medical care, and offering compensation immediately following injuries sustained in car crashes.

Key Features of Orlando FL’s No-Fault System

PIP Coverage

Florida drivers are required to carry at least $10,000 of Personal Injury Protection coverage as a minimum liability in an automobile accident regardless of who caused it, in case medical costs, lost wages, and certain other costs arise as a result of being involved in one. This insurance pays out all medical costs and lost income expenses that arise as a result.

Medical Benefits

PIP insurance covers up to 80% of necessary medical expenses up to its policy limits, such as hospital bills, surgery expenses, rehabilitation services, and any additional medical costs that might occur.

PIP Insurance Can Cover Lost Wages

Should an injury keep its policyholder from returning to work, 60 percent of lost wages can also be covered under PIP policies.

Death Benefits

Should an accident prove fatal, PIP coverage provides an extra $5,000 death benefit in addition to standard coverage.

No-Fault Threshold

Personal Injury Protection insurance covers many expenses, but its scope can be limited in certain instances. When injuries are severe enough that PIP cannot provide sufficient compensation—for instance, involving major and permanent losses such as important bodily functions being lost for good, permanent scarring, or disfigurement occurring as a result of another driver causing harm—then injured parties have an avenue outside the no-fault system to bring legal claims against at-fault drivers and file suit in court against those at fault.

Finding Help after an Auto Accident

Navigating the aftermath of an automobile accident can be stressful and complicated, especially when considering all potential legal actions. Here are several instances when consulting a car accident attorney might be helpful:

  1. Have You Suffered Serious Injuries: If you or someone close to you has suffered severe injuries that go beyond PIP coverage limits, a Car Accident Attorney can help pursue additional compensation through a personal injury suit.
  2. Liability Disputations: In cases where fault for an accident remains in dispute, legal assistance can help gather evidence, interview witnesses, and collaborate with accident reconstruction specialists to establish who should bear liability.
  3. Insurance Denials or Delays: Insurance companies sometimes deny claims or delay payments. A Car Accident Attorney can negotiate with them to ensure you receive all benefits available under your policy.
  4. Underinsured/Uninsured Motorists: If the driver at fault lacks insurance, a Car Accident Attorney may help you explore other forms of compensation, such as your uninsured/underinsured motorist coverage.
  5. Legal Representation: Should legal representation become necessary, an attorney can represent your interests in court to secure you the maximum possible compensation for injuries, suffering, and other damages sustained during any lawsuits filed on your behalf.

A Car Accident Attorney Provides Support Throughout Claims & Legal Process

Car Accident Attorneys offer essential support and advocacy throughout claims and legal processes. Here’s how they can be helpful:

  • Case Evaluation: Your attorney in Orlando FL will conduct a detailed examination of all aspects of your claim, from injuries sustained and circumstances leading up to it to available insurance policies and available coverages.
  • Collecting Evidence: Evidence collection is key to building an effective case. A Car Accident Attorney in Orlando FL should acquire police reports, medical records, witness statements, and any other necessary documentation to effectively present their argument.
  • Negotiation: Attorneys possess exceptional negotiation skills that enable them to effectively interact with insurance providers and opposing counsel to reach a fair resolution for all involved.
  • Litigation: When settlement negotiations fail to produce satisfactory outcomes, an attorney can prepare and file a lawsuit on your behalf in court, representing your rights and advocating for your interests as the rightful owner of those rights and interests.
  • Consultation Services: Attorneys may utilize medical experts, accident reconstruction specialists and other experts in order to strengthen your case by consulting them and possibly offering expert testimony as required.

If you or a loved one has been injured in a car accident, feel free to book a free consultation with Shea at 407-539-0123 or fill out this form, and she will contact you soon.

Frequently Asked Questions

Q: What Is Personal Injury Protection (PIP) Insurance in Florida?

Ans: PIP coverage provides medical and financial benefits to car accident victims regardless of who was at fault regardless of liability issues. It is considered mandatory coverage.

Q: What PIP coverage requirements exist in Florida? 

Ans: Florida law mandates drivers carry at least $10,000 worth of PIP coverage at all times.

Q: What expenses does PIP insurance cover? 

Ans: Its PIP covers up to 80% of necessary medical expenses, 60% of lost wages, and other associated costs up to the policy limit.

Q: Can I file a civil suit if my injuries exceed my PIP coverage?

Ans: Yes. If your injuries meet the no-fault threshold (e.g., significant loss or permanent impairment to an important bodily function or permanent disfigurement or scarring), filing suit against the at-fault driver would likely be justified.

Q: What should I do if my PIP claim is denied or delayed?

Ans: In such an instance, consulting with a Car Accident Attorney in Orlando FL might help. They can negotiate on your behalf with the insurer so you receive all benefits to which you are entitled.

Q: What If The At-Fault Driver Is Uninsured Or Underinsured? 

Ans: In such an instance, speaking with a car accident attorney could assist with exploring all available compensation sources—for instance, your own uninsured/underinsured motorist coverage policy and other potential avenues available to them.

Q: What assistance can a car accident attorney offer after being involved in an accident? 

Ans: A car accident attorney is invaluable when it comes to providing vital support in cases involving auto collisions by reviewing all aspects of your case and collecting evidence, negotiating with insurance providers, representing you in court proceedings, and consulting experts to enhance your case for success.

Q: Is Hiring an Attorney Expensive? 

Ans: Many car accident lawyers work on a contingency fee basis, meaning they only get paid if you win your case, making legal assistance accessible even for those without the resources to pay upfront legal costs.


Understanding Florida’s no-fault car insurance system is crucial to all drivers in Florida. While PIP provides valuable benefits, its limitations become apparent in cases involving serious injuries. Consulting an attorney experienced in car accident litigation could prove invaluable in successfully navigating through all the intricate claims processes and legal actions needed to receive proper compensation – should an accident arise and occur, do not hesitate to seek legal guidance immediately from an experienced practitioner to safeguard your rights and ensure compensation arrives for yourself and those around you.

If you or a loved one has been injured in a car accident, feel free to book a free consultation with Shea at 407-539-0123 or fill out this form, and she will contact you soon.

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