When you’re a Florida driver, you must purchase auto insurance. Many Florida drivers need assistance selecting the best auto insurance policy to meet their needs. If you’re in the Pinecrest, FL, area, our team at Hamilton Fox & Company Inc. can help you explore your policy options and choose the right coverage. We’ve been working with drivers like you since 1947.

What Does Florida’s “No-Fault” Auto Insurance Coverage Mean?

All drivers in Florida are required to have auto insurance. According to the Florida Insurance Information Portal, Florida is a “no-fault” state regarding auto insurance. The “no-fault” designation means each driver involved in an auto accident will submit a claim to their own insurance company, regardless of who is at fault. Under Florida law, every driver must have at least $10,000 of personal injury protection (PIP) and property damage coverage (PD). The "no-fault" law has been in effect since 2008.

Both drivers will submit their accident claims to their respective insurance companies. Each driver’s car repair costs and medical expenses will then be handled by their own insurance provider. According to Legal Clarity, since the “no-fault” law results in compensation from their own insurance company, an injured driver cannot seek further compensation from the “at-fault” driver unless their injuries meet a legal threshold for extreme injuries.

Call Us Today for Your Appointment

Driving without auto insurance places you at risk for financial and legal penalties. Our agents at Hamilton Fox & Company Inc. can help you find a policy that provides the coverage you need at a price you can afford. Drivers in the Pinecrest, FL, area have trusted our team for over 75 years. Call us today to schedule an appointment and let us help you secure the right auto insurance policy.