Florida is one of the few states in the country that utilizes a strict no-fault auto insurance system, requiring motorists to carry Personal Injury Protection (PIP).
1. The No-Fault System & PIP Coverage
Under Florida's no-fault auto insurance system, if you are injured in an accident, your own auto insurance pays for your medical treatment and lost wages, regardless of who caused the crash. All drivers must carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Lenders do not require bodily injury liability coverage by default.
2. The "Serious Injury Threshold" for Lawsuits
Because of no-fault rules, you cannot sue another driver for pain, suffering, or non-economic damages unless your injuries cross Florida's **serious injury threshold**. This includes significant permanent loss of a bodily function, permanent injury, significant scarring, or death.
3. Statute of Limitations
Florida's statute of limitations for filing a personal injury lawsuit following a motor vehicle collision is **two (2) years** from the date of the accident.