Understanding Florida’s No-Fault Auto Insurance Law: What South Florida Drivers Need to Know

Florida’s unique no-fault auto insurance system is designed to make the claims process faster and less contentious after an accident. However, many drivers in South Florida don’t fully understand how it works or how it affects their insurance coverage and rights.

At The Sena Group, we believe that informed drivers are empowered drivers. Here’s a straightforward guide to Florida’s no-fault law and what it means for you.

What is Florida’s No-Fault Law?

Florida requires drivers to carry Personal Injury Protection (PIP) coverage, which pays for your medical expenses and lost wages regardless of who caused the accident. This means that after a crash, your own insurance company covers your injuries first — without having to wait to determine fault.

What Does PIP Cover?

PIP typically covers:

• Medical bills (up to your policy limit)
• Lost wages if you can’t work due to injury
• Necessary services like childcare or housekeeping if you’re disabled
• Funeral expenses in case of a fatal accident

The standard minimum PIP coverage in Florida is $10,000.

How Does No-Fault Affect Your Claim?

Since PIP covers your injuries regardless of fault, you usually cannot sue the other driver for pain and suffering unless your injuries meet certain serious thresholds, such as permanent disability or significant disfigurement.

Why is This Important for South Florida Drivers?

• Faster access to medical care and compensation: Your PIP coverage helps you get treatment without waiting for fault to be decided.
• Limits on lawsuits: Knowing when you can sue and when you cannot helps manage expectations after an accident.
• Understanding coverage gaps: No-fault does not cover vehicle damage — for that, you need collision or comprehensive insurance.

How Can The Sena Group Help?

Navigating Florida’s no-fault laws and understanding your insurance options can be confusing. Our agents at The Sena Group can review your current policy, explain your PIP benefits, and help you customize coverage to fit your needs and budget.

Boca Office

6501 Congress Ave., Ste. 100
Boca Raton, FL 33487
Phone: 561-391-4661
Toll Free: 800-393-4661
Fax: 561-338-6551

Broward Office

Miriam Trujillo
2719 Hollywood Blvd. Suite A-1126
Hollywood, FL 33020
Phone: 954-300-5052
Fax: 954-337-2271

North Dade Office

Guillermo “Bill” Torres, Agent
7590 NW 186 Street, #210A
Miami, FL 33015
Phone: 305-823-4086
Fax: 305-823-4064

South Dade Office

Ricardo Gonzalez, Agent
306 Alcazar Avenue Suite 303-A
Coral Gables, FL 33134
Phone: 305-254-6366
Fax: 305-254-9278

If you’re a South Florida driver looking for clear answers about no-fault insurance or want a personalized policy review, contact The Sena Group today — we’re here to help you drive with confidence.