Florida’s No Fault Insurance Laws
A car accident lawyer who can guide you through the process
Florida is one of a handful of states to adopt “No Fault” laws to help simplify the legal process of settling a car accident. The idea behind the law is that drivers essentially insure themselves, so that if they can turn to their own insurance policy if they are injured. These insurance policies are called “Personal Injury Protection” policies and have a minimum amount of $10,000 of required coverage.
There is a lot of confusion about these laws and recovering compensation after any car accident can be complicated. Attorney Michael Cerasa of The Cerasa Law Firm LLC guides clients through the legal process every step of the way until the recover the financial compensation they deserve for their injuries.
While Florida is referred to as a “No-Fault State”, no-fault insurance is not the only policy that an injured driver can use to recover from their injuries.
Why you need a lawyer in a no-fault state
Because the minimum amount of coverage is $10,000, there are several instances where additional funds would be needed. In the case of a severe auto accident, $10,000 in medical expenses could be incurred in just the first few minutes of being air-lifted or taken from the scene in an ambulance. In these cases where there are more than $10,000 of medical expenses (or the limit of the PIP policy) incurred, an injury victim would look to recover from the other driver's insurance.
While the intent of the no-fault system was to simplify the process for an injured driver to recover for their injuries, the results have varied. There are cases where your own insurer will deny or devalue claims you are making against your own PIP policy. There are also cases where you either have permanent injuries or your medical treatments exceeded the policy limits and you will need to make a claim against the other driver's insurance policy.
Every car accident case is made up of a unique set of circumstances. So looking up legal information online doesn’t give you the full story. That’s why it’s important to get trusted legal advice as soon as possible after a car crash.
The experience that gets results
Attorney Cerasa worked for big law firms for years. He learned how to build strong cases that get the attention of insurance companies. Now, as founder of his own firm, he is able to use that experienced to help clients get the results they need while giving them the personal attention only a smaller firm can provide.
We offer a free initial consultation to anyone who has been injured in a car accident in the Orlando area. The meeting will last as long, or as short as you'd like. There is no cost for the meeting or obligation to move forward with your case.
If you decide you would like to hire us to represent you, there is no upfront fee. Instead we are paid a percentage of the recovery we secure on your behalf. So if we don't win, you don't pay. If you’ve been hurt in a car accident, contact us today to schedule your free consultation.