Is Florida a no-fault state?
Yes. Florida is a no-fault state. Your own PIP coverage pays 80% of your reasonable medical bills up to $10,000, no matter who caused the crash.
Last checked November 9, 2026 · Official sources (5)
How does Florida car insurance work?
“PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash.”
Florida Department of Highway Safety and Motor Vehicles
What is Florida's minimum car insurance?
Florida requires $10,000 in PIP and $10,000 in property damage liability. Bodily injury liability is not required for most cars.
| Coverage | What Florida requires |
|---|---|
| Damage to property | $10,000 |
| Personal injury protection (PIP) | PIP of at least $10,000 is required before you can register a car. |
When can you sue in Florida?
You can recover pain-and-suffering damages only for significant and permanent loss of an important bodily function, permanent injury, significant and permanent scarring or disfigurement, or death.
Other no-fault states
Questions
What if you were partly at fault in Florida?
If you are found more than 50% at fault for your own harm, you cannot recover damages in a negligence case.
When can you sue after a crash in Florida?
You can sue the at-fault driver for pain and suffering only if the injury involves significant and permanent loss of an important bodily function, a permanent injury, significant and permanent scarring or disfigurement, or death.
Hurt in a crash in Florida? Find out if you are owed money.
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See if I’m owed moneySources (5)
- Florida Department of Highway Safety and Motor Vehicles, checked 2026-11-09. “PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash.”
- Florida Department of Highway Safety and Motor Vehicles, checked 2026-11-09. “Any vehicle with a current Florida registration must: be insured with PIP and PDL insurance at the time of vehicle registration. have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL.”
- Florida Department of Highway Safety and Motor Vehicles, checked 2026-11-09. “Before you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance.”
- Florida Statutes § 768.81 (Florida Senate), checked 2026-11-09. “In a negligence action to which this section applies, any party found to be greater than 50 percent at fault for his or her own harm may not recover any damages.”
- Florida Statutes § 627.737 (Florida Senate), checked 2026-11-09. “(a) Significant and permanent loss of an important bodily function. (b) Permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement. (c) Significant and permanent scarring or disfigurement. (d) Death.”