If you’ve been in a car accident in Florida, you’ve probably heard the term “no-fault insurance.” But what does that actually mean for your case — and your recovery?

At GOLDLAW, we help accident victims cut through the confusion and get the compensation they deserve. Here’s what you need to know about Florida’s no-fault system — and when you can step outside of it to file a personal injury lawsuit.

What Is No-Fault Insurance?

Florida is one of the few states with a no-fault insurance system. That means:

Every driver is required to carry Personal Injury Protection (PIP) insurance.

After an accident, you first file a claim with your own insurance, regardless of who caused the crash.

PIP covers up to $10,000 in medical expenses and lost wages.

But here’s the problem — that money often runs out fast, especially if your injuries are serious.

What PIP Covers (and What It Doesn’t)

✅ Up to 80% of medical expenses
✅ Up to 60% of lost income
✅ Mileage for medical travel
✅ $5,000 death benefit

❌ It does not cover pain and suffering
❌ It does not compensate for full wage loss or permanent disability
❌ It does not cover property damage (that falls under separate coverage)

When You Can Step Outside the No-Fault System

You may be able to file a personal injury lawsuit against the at-fault driver if your injuries are considered “serious” under Florida law, such as:

Permanent disability or disfigurement

Significant loss of a bodily function

Broken bones

Long-term or life-altering injuries

These cases allow you to seek full compensation, including pain and suffering, future medical care, and total income loss — far more than PIP will ever provide.

Don’t Let Insurance Companies Decide What You Deserve

Insurance adjusters are trained to downplay your injuries and offer low settlements — often before you even know the full extent of your condition. Don’t sign anything until you speak to a lawyer.

Let GOLDLAW Fight for You

✅ We handle PIP claims, injury lawsuits, and uninsured driver cases
✅ We work with medical experts to prove the seriousness of your injuries
✅ We pursue every dollar you’re entitled to — not just what insurance offers

📞 Call GOLDLAW at 561-222-2222

You may live in a no-fault state — but that doesn’t mean you have no case. Let’s talk.