What No-Fault Insurance Means for Florida Crash Victims

  • Many people aren’t fully aware of what kind of insurance they have. You just purchase it as the law requires, but you don’t know what your benefits really are. Florida insurance is different than auto insurance in many other states. That’s because our state requires no-fault insurance for all drivers.

    No-fault insurance basically makes all drivers responsible for their own accident damages, regardless of who was to blame or “at fault” for the auto collision. But what does this mean for Florida car wreck victims, especially if they need help from a West Palm Beach car accident lawyer?


    What It Means

    It means that when you are in a car wreck, you don’t get to place the blame at the feet of the other driver. You will have to pay for your damages using your own insurance policy.

    This can be helpful in some ways, such as allowing you to immediately collect compensation for your injuries without having to wait an extended period of time as your injury claim is processed.

    But in other ways, it’s unfair to the driver who was injured and wasn’t to blame for the crash. It also doesn’t allow the negligent driver to be held accountable for driving carelessly.


    The Benefits

    Nevertheless, Florida’s no-fault insurance system is designed to protect you financially whenever you’re in a vehicle crash. The main benefits include payment of your reasonable medical expenses and reimbursement of missed wages.


    The Exception

    The exception to Florida’s no-fault system is a serious injury. When you’ve been severely harmed and have suffered extensive damages, you can file a personal injury claim against the negligent party who harmed you.


    Help with Your Florida Car Accident Claim

    When you’ve been injured in a car accident, you are likely going to suffer some losses. Depending on the seriousness of your injuries and related damages, you will either file a claim with your no-fault insurance company or a personal injury claim against the party who injured you in the car wreck.

    Regardless of which category your claim falls under, you can get help with this process by working with an injury lawyer. When you have an attorney on your side, you set yourself up to win the maximum compensation available for your case. Contact the Law Offices of Casey D. Shomo by visiting our website or calling 561-659-6366.