February 18, 2025

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Where Do I File an Insurance Claim Under Florida’s No-Fault Car Accident Law?

Insurance Claim

The Florida Department of Highway Safety and Motor Vehicles sets specific requirements for auto insurance coverage, but one feature that stands out is no-fault insurance. This system means that after a car crash, you don’t need to prove fault to receive compensation. Instead, you file a claim with your own insurance company, regardless of who caused the accident.

How No-Fault Insurance Works in Florida

Every driver in Florida must carry Personal Injury Protection (PIP), which covers their medical bills and certain other losses after an accident. PIP ensures that even if you are fully responsible for the crash, your insurer will still pay the claim. Florida law also prevents insurance companies from using bad-faith practices against policyholders.

PIP covers the following:

  • Medical Expenses: Up to 80% of costs for treatment.
  • Non-Emergency Injuries: Limited to $2,500 unless your injuries are classified as a medical emergency.
  • Lost Wages: Up to 60%, with a cap of $10,000.
  • Death Benefits: Compensation to beneficiaries if the accident is fatal.

Filing a Claim Against the At-Fault Driver

While PIP covers some expenses, it often isn’t enough—especially if your injuries are severe. Florida law allows you to pursue compensation from the at-fault driver if your injuries are significant or disabling. In these cases, you can seek additional damages for pain and suffering. However, you must prove the other driver’s negligence to recover these amounts.

Get Help Filing Your Claim

Navigating Tampa’s auto accident laws can be challenging. For personalized advice, contact The Black Law Company at 813-321-7380. Our experienced attorneys are here to help you maximize your compensation and handle your claim from start to finish.

This post was written by Okoye Morgan Jr., a lawyer with extensive knowledge as a car accident attorney Tampa FL. Okoye is one of the founding partners of The Black Law Company, specializing in personal injury law, trust and estate law, civil litigation law, and criminal defense.

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