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Florida Has No-Fault Insurance Law
A no-fault system is intended to prevent insurance fraud because your insurance company compensates you and your passengers for injuries regardless of who is proved at fault. This limits litigation because there is no need to battle over who is at fault. It also speeds up the payment process. The driver who is at fault in the accident is typically charged a higher at-risk insurance premium. In extraordinary situations, a driver in a no-fault state may seek relief in the courts for certain pain-and-suffering damages (versus medical and wage loss damages).
Minimum Requirements For Auto Coverage
Florida requires both personal injury protection and property damage liability insurance for all drivers. The Department of Highway Safety may suspend a license, vehicle tags and registration for a driver who fails to maintain this coverage, this is now electronic, so make sure you make your premium payments on time.