Florida No-Fault Law
BAGLEY & LANGAN
attorneys are well versed in Florida No-Fault Law. If
you have been injured in an Auto Accident in Kissimmee,
Orlando, Tampa or anywhere else in Florida, call our
Celebration/Kissimmee office today and speak with an
attorney for FREE.
Florida No-Fault / Personal Injury Protection (PIP)
Florida No Fault Insurance also called “Personal Injury
Protection” (PIP) insurance covers you - regardless of
fault (i.e. whether or not you cause the crash) - up to
the limits of your policy.
Your PIP will also cover your child, members of your
household, and certain passengers who lack PIP Insurance
as long as they do not own a vehicle. People riding in
your vehicle who carry PIP will receive coverage under
their own PIP for their injuries, and certain licensed
drivers who drive your vehicle with your permission. PIP
also covers your child if he or she suffers an injury
while riding on a school bus. PIP coverage protects you
while in someone else's vehicle, as a pedestrian, or
bicyclist if you suffer an injury in a crash involving a
The Florida Motor Vehicle No-Fault Law, requires all
owner/registrants of a motor vehicle with four wheels or
more to carry a minimum of $10,000 of Personal Injury
Protection (PIP) and $10,000 of Property Damage
Liability (PDL) if you own a motor vehicle in Florida.
Florida law requires you to maintain PIP/PDL insurance
continuously throughout the licensing and registration
"Property Damage Liability" (PDL) insurance
This coverage pays for damages you or members of your
family cause (and are liable for) to other people's
property in a crash involving a motor vehicle.
"Bodily Injury Liability" (BIL) insurance
Bodily Injury Liability coverage pays for your serious
and permanent injury or death when someone else causes a
crash involving your automobile. The at-fault party’s
BIL insurance company will pay for injuries up to the
limits of their policy. In particular, their BIL
insurance company pays for injuries caused by the
at-fault party or members of their family who live with
them, even if they were driving someone else's vehicle.
It may also cover others who drove their automobile with
their permission. This coverage also provides the
at-fault party with legal defense in the event they are
sued by you, the injured party.
“Uninsured / Underinsured Motorist” (UM) insurance
Even though drivers in Florida are required to carry
automobile insurance, many drivers ignore the law and do
not carry insurance at all, or their insurance coverage
is inadequate to fully compensate you for your losses.
Many insurance companies offer UM insurance which covers
you in the event you are injured by an uninsured or
If you do not currently have, or do not know whether you
have UM insurance or the extent of that coverage, BAGLEY
& LANGAN, PLLC highly recommends you contact your
insurance company to inquire about UM coverage.
If you have any questions about Florida Auto
Insurance or have suffered an injury as a result of a
Florida Auto Accident, please do not hesitate to call
our Celebration/Kissimmee office at (407) 566-7171 or
click HERE to contact an attorney now.