No-Fault insurance laws are different for every state; in fact no-fault insurance isn’t even required in all states, but it Is required by all drivers in Florida. If you’re unsure what no-fault insurance covers, it covers certain costs in a no fault accident; that is an accident where neither driver is at fault. In Florida you need $10,000 of Personal Injury Protection (shortened to PIP), as well as $10,000 of Property Damage Liability (PDL).

How Much is Enough?


The short answer is you can never have enough no-fault insurance, and you should get as much as you believe is reasonably affordable. Medical bills in the United States are exceptionally high, and if you cause (or receive) serious injury your insurance company may have to pay out. Being under covered and being required to pay some out of pocket money for the medical bills can be extremely costly, and detrimental to your finances.

So What Exactly Does It Cover

No-fault insurance will basically cover the same things normal auto-insurance covers, the only difference being it will cover costs for an accident that was neither your fault nor the other drivers. These accidents are actually the most common, as most cases of accident happen because two people, not just one person, make a mistake. The traditional insurance people usually buy will only cover costs for accidents that aren’t your fault, where as this insurance will cover those accidents, as well as accidents that have no fault, but it won’t cover accidents that were your fault. If you want coverage for accidents which happened because of your actions and your actions alone, you’re looking at a whole difference set of insurers and much higher monthly payments and premiums.