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Except Florida: “No-Fault” Means No Coverage

Sad Young Woman Driver Sitting Near Her Smashed Ca 2022 01 31 14 23 25 Utc V2

By Attorney Kelli Martinez

“No coverage?! How do they have a driver’s license if they are driving without insurance?!”

Florida has the highest rate of uninsured drivers in the United States. Approximately 26.7%, or about one in four vehicles on Florida roads are completely uninsured. And while driving without any insurance carries serious criminal penalties, these consequences do not provide compensation for injury victims.

But not only are many drivers uninsured, most Florida drivers are legally underinsured.

“Full-coverage” is one of the most common misconceptions in the auto insurance industry, and it can be even more deceptive under Florida law. There are five types of auto insurance coverage that may be mandated by a state. Every state requires Bodily Injury Liability Insurance (BI) – except Florida.

In order to register a vehicle with more than four wheels in Florida, drivers must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP covers 80% of all necessary and reasonable medical expenses up to $10,000.00. The other 20% and anything above $10,000.00 typically falls on the insured – and the insurance companies often dispute what bills are “necessary and reasonable.” The required PDL is only $10,000.00.

In other words, to be fully covered to drive in Florida, a driver needs $10,000.00 in PIP to cover themselves, and only $10,000.00 to cover all potential property damage they may cause in an accident. Because, bodily injury coverage is elective, the at-fault driver’s policy will not cover the cost of your injuries if you are an injured victim of a car crash with an at-fault driver carrying minimum insurance coverage.

Some drivers elect to purchase Bodily Injury Liability Insurance (BI), but do not realize that these benefits will only cover the other person in the event the insured driver causes an accident. A driver’s Bodily Injury Liability Insurance (BI) coverage will not pay for the insured driver’s own medical expenses.

You need to protect yourself with UM! If you are driving without Uninsured Motorist (UM) coverage in Florida, you are not fully covered!
Most reputable auto insurance companies sell this extra coverage that takes the place of the uninsured at-fault driver and pays for your injuries and property damage that would otherwise be owed to you by the at-fault driver’s insurance company. Many times, the added cost is minimal, and in a state with so many uninsured drivers, it’s certainly worth consideration.

Questions about your Florida automobile insurance coverage? Call us at (941) 748-5599 or e-mail us at attorney@allinjurieslaw.com.

Vanessa Castro Viera
Vanessa Castro Viera
November 3, 2023
I had the privilege of working with Kelli Martinez as my personal injury attorney, and I can't express enough how grateful I am for her exceptional guidance and support throughout the entire process. From the moment I first contacted her to the conclusion of my case, Kelli demonstrated an unwavering commitment to ensuring my rights were protected and that I received the compensation I deserved. I highly recommend her to anyone seeking legal representation for personal injury cases.
Jen Wiradilaga (SWFL Horses)
Jen Wiradilaga (SWFL Horses)
October 19, 2023
I am so pleased with the service and care Mr. Murphy has shown. Always has time for a phone call , emailed questions are answered so quickly , it is refreshing. I had guidance every step of the way. My Case was settled quickly and effectively. Everyone that is in this off is is exceptional! Thank you so much
amanda reese
amanda reese
October 17, 2023
Mr. Murphy and his team were amazing to work with. In a stressful situation they were on top of making sure I understood my options and walking me through the process when I’d stress out. He fought to make sure I was fairly treated and not just another person swept under the rug and forgot about. I highly recommend him if you ever need and hope to have a timely resolution and team that is top notch.
Ana Maria Araujo
Ana Maria Araujo
October 12, 2023
I am very grateful to Ed Murphy for accepting my case against work compensation, otherwise I wouldn't have had another doctor for a second examination and I would have been at home without being able to work again. I am thankful for all the work Ed and his assistant Jessica have done in my case. I am very happy with the service, every time I called I was treated very nicely by the front desk staff, Kelly. Thanks
Carlene Overacker
Carlene Overacker
October 6, 2023
I highly recommend Mr. Murphy. He immediately responded to the issues I was having with my workers compensation case. He reached out to me in a timely manner. I was always able to get ahold of him via the phone and emails. I never felt rushed in our meetings and conversations. He was professional and courteous. I am very satisfied how quickly I received my settlement.
Erica Aghoian
Erica Aghoian
September 22, 2023
I highly recommend contacting Ed Murphy with your worker's compensation case. From day one he took the time to explain all aspects of the case, listened to my questions and concerns, and kept me up-to-date as the case progressed. I believe he was able to achieve the best possible outcome with my case, and I couldn't be happier to have worked with him. I had never hired an attorney before, but he immediately put me at ease and had my trust. Great experience from start to finish!
Patricia Lara
Patricia Lara
September 12, 2023
I can't say enough how much help Ed Murphy was during such a difficult situation. From day one he was understanding and made us feel at ease. He helped us achieve the most positive out come in our law suit with workers comp. If you ever need assistance I highly recommend contacting Ed Murphy!
Trust Cleaning Inc
Trust Cleaning Inc
August 15, 2023
This message is for anyone who needs a good lawyer, I recommend Ed Murphy because he is a professional and patient person, he fights until the end of his case or any type of case, I recommend him to everyone 100% . there is no other attorney like ed murphy i just have to say thank you so much for helping me with my accident case.

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