Scott Distasio explains Florida's No Fault Auto insurance.
Some Information About "No Fault Insurance"
Florida is what is called an automobile no fault state. What that means is that when you are in a car accident, your own car insurance pays the first $10,000.00 of medical expenses and lost wages, and not the person that caused the accident. Your car insurance pays regardless of whether you’re at fault or not. In exchange you give up your right to pain and suffering damages unless you can prove you have a permanent injury. Sounds like a good deal right.
The truth is it’s not. The $10,000.00 limit was set in the 1970’s and has not been raised since. Your typical auto accident injury will burn through all of that and there will be little if any left to pay for lost wages. That is why you may still need to bring a claim against the person that caused the accident to recover for future medical expenses, lost wages, and of course if you have a permanent injury- pain and suffering damages.