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No Fault

No Fault

Florida Motor Vehicle No Fault Law (Fla. Stat. 627.730-627.7405) provides medical, work and death benefits to a qualified individual involved in a vehicle accident. In other words, if you own a car in Florida and have the required PIP coverage, your insurance company is responsible for 80% of reasonable, medically necessary and allowable medical expenses up to $10,000 regardless of who is at fault.  In addition, your insurance company pays you 60% of gross income and $5,000 for death benefits should you be unable to work or die due to a car accident.

Most individuals identify this insurance coverage as PIP (Personal Insurance Protection). The “No Fault” system allows people injured in a car accident to have immediate access to medical treatment regardless of their financial situation or whether or not they have health insurance. PIP is your primarily medical insurance coverage in a automobile accident regardless who is negligent or otherwise at fault.

Medial expenses exceeding $10,000 along with pain and suffering maybe recovered by pursing a negligence claim against another driver, vehicle owner, manufacturer or  other 3rd parties who is partially or wholly responsible for your injuries.

Who is a Qualified Individual?

The answer depends on a multitude of questions, answers, and scenarios. The general rule is PIP benefits follow the person, not the vehicle. Here is a brief explanation of who qualifies for No Fault benefits:

Car Accident

This covers private vehicle including cars, sports utility vehicle, pickup trucks, mini-vans or other similar vehicles engaged in private activity not work related.

Policy holder which normally includes the owner and driver of the vehicle. Blood relatives (F.S. 627.732)  of the policy holder who reside in the same household. In addition, PIP covers passengers who are not otherwise covered under another PIP policy.

 Truck Accident

Truck drivers are usually covered under commercial policies or workers comp when involved in an accident. Under certain circumstances, a driver or passenger may qualify to have their medical bills paid through their own PIP policy.

Motorcycle Accident

No, motorcyclist do not have PIP coverage.  The only medical coverage available to motorcyclist is either through the purchase of separate motorcycle insurance coverage, or a third party’s insurance policy. Read more about our Plantation Motorcycle Accident Lawyer.

Bicycle Accident

A bicyclist involved in a car accident may have their medical bills payed through either their own automobile PIP policy, a resident relative’s PIP policy or the at fault parties’ PIP insurance.

Pedestrian Accident

Pedestrians involved in car accident can get their medical bills payed by either their own PIP, that of a resident relative or third party’s insured.

School Bus Accident

A child injured on a school bus may have their medicals bills paid by their parent’s PIP insurance policy.

In addition to “No Fault” benefits under your Florida insurance policy, you may recover additional monies for medical expenses and more under both your Med-Pay and Uninsured/Under-insured Motorist Coverage insurance provisions.

If I file a PIP claim, will my insurance go up? Click to find the answer.

For more information about PIP benefits or whether you qualify to pursue a negligence claim for medical expenses, loss wages, and pain and suffering contact AskMyAttorneys at 954-961-5100 in Broward or 1-877-961-5100 elsewhere in Florida for a free consultation.

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  • June loochkartt

    "Mr. Gonzalez is a highly effective personal injury who gets results and practices with diligence, professionalism and integrity. He is swift to get results, fights for you and never backs down from a difficult case to obtain a great result. Always responsive to questions and very thorough handling of the case. I would highly recommend his firm to anyone looking for representation."


    "I would highly recommend Rafael Gonzalez as a personal injury attorney. He demonstrates Professionalism, was very knowledge, and was responsive to all my concerns. He answered all my questions in a timely manner with compassion and wisdom. He is a great negotiator and always has his client’s best interest at heart. I would highly recommend him as a personal injury attorney. Thank you, Rafael Gonzalez!"


    I had an awesome experience with this law firm. Rafael Gonzalez and his team are great all the time take the phone. Answer questions, always ready to help you. Being in an accident is already so stressful, they would help you with everything you need: guide you with your doctors visits, give you an advise all the time. I strongly recommend them for ALL your situations. Love them!!!!

  • Ada Fondeur

    Very professional and attentive team. Attorney Gonzalez was always willing to answer my questions and concerns and most of all always looking out for my best interest. Very satisfied.


    My process was very long but it was worth the wait. Mr. Gonzalez and his team are very professional and a great to work with. I received updates as to my case frequently and I appreciate all the updates. Thank you very much for handling my case.

  • Kayann Rainford

    Attorney Rafael Gonzalez and his paralegal gave good customer service, very friendly, respectful and nice.

  • SARA T.

    I was referred to Attorney Ralph Gonzalez to take care of injuries sustained from a car accident where I was rear ended. Not only did they make sure I got the care I needed, but were extremely professional and thorough in communication to explain the processes, follow ups, and expectations. Just closed the case after some time with a bigger settlement than expected, and I couldn't be happier with the treatment/services received from this office. Will 100% recommend to everyone. Thank you!


    I am very pleased with the service and I received from this law firm. I am thankful to have Mr. R. Gonzalez as my attorney. I would recommend calling this office to represent you.


    Mr. Rafael is always professional and gives realistic expectations of everything.

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