Florida is a No-Fault State

When a Florida resident gets into a car accident, several state laws affect the insurance claims and lawsuits that might result. Let's examine a few of those laws, including Florida's status as a no-fault state, how long drivers have to file court cases after a crash, and how Florida's "pure" comparative fault rule might affect the case.

Florida is a No-Fault State
The most important thing to note about Florida law if you've been in a car accident is that Florida is a no-fault car insurance state. That means, if you've been injured in a car accident in Florida, you'll need to first turn to your own car insurance coverage to get compensation for your injuries and other losses stemming from the accident, regardless of who was at fault for the accident.

Only in certain cases can you step outside the no-fault system and try to hold the other driver liable for your injuries -- meaning you can file a liability claim with the other driver's insurer or file a personal injury lawsuit against him or her. In Florida, only car accidents that result in permanent injury, or significant and permanent scarring or disfigurement, will take a claim outside of the no-fault system.

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