If you’re new to driving in Florida, you might not be aware of the fact that the Sunshine State is what’s known as a no-fault car insurance state. In a no-fault state, there are special rules as to how car accidents are governed, and they can be a real pain to drivers who are looking to save money on their car insurance. In fact, these laws are a large part of why Florida drivers pay one of the top 10 premiums for car insurance in the nation.
But that doesn’t mean that affordable car insurance in Florida doesn’t exist. Nor does it mean that drivers have the freedom to be as reckless as they want without fear of consequences. Here are a few things you should know about no-fault insurance so you can keep your insurance as affordable as possible!
No-Fault is for Bodily Injuries
Florida law requires you to carry at least $10,000 worth of coverage for you and other occupants in your vehicle in the case of medical bills. One of the main reasons the state requires this is that in almost all cases, if you’re injured in a car accident in Florida, you are not permitted to sue the other driver for your injuries, even if the accident wasn’t your fault.
Keep in mind, however, that no-fault car insurance doesn’t apply to property belonging to others. If you cause an accident where there’s damage to another driver’s car, you’re likely going to end up paying for that eventually. If you hit a fence on someone’s property, you’ll pay for that as well. But generally, bodily harm is covered by the insurance company of the injured party.
Exceptions Exist for No-Fault
The no-fault law isn’t absolute. There are a few exceptions, and it can be difficult to prove them. But Florida law states that if you are injured in an accident as a result of someone else’s fault, you can collect damages if the injury is serious enough, such as losing a body part permanently.
You’ll Need to Cooperate With the Other Company
In a no-fault state, there’s little reason not to cooperate with the other party’s insurance company, because they won’t be paying medical bills for you. As such, you’ll need to be honest with them about the accident to ensure all the facts are on the table. As long as there’s no serious injuries, your insurance won’t be held liable.
Learning the quirks of no-fault car insurance is tricky at first, but by being a safe and courteous driver, you’ll find that affordable car insurance in Florida is still possible. Hopefully, you’ll never need to use it.