How Does Car Insurance Work in Florida

Most people have no idea how car insurance works until they’ve been injured in a wreck. If you’ve recently been hurt in a vehicle crash, you might be wondering how car insurance works in Florida.

For the answer to that question, keep reading.

The Car Insurance Process in Florida

The state of Florida operates a little differently than many other states when it comes to vehicle insurance. Florida uses a “no-fault” system for handling auto injuries and related damages. Under the no-fault system, everyone is responsible for paying for their own injuries and losses through their own insurance company.

Even if you weren’t the one responsible for causing the collision, you would still need to use your own insurance to pay for your losses. This may seem unfair, but there is an exception to this rule—one that may allow you to hold an at-fault party accountable in civil court.

The Exception to Florida’s No-Fault Rule

The only time you can sue an at-fault driver for damages is when your injuries are found to be serious and your damages great. You will need to provide evidence of the seriousness of your injuries. Once you prove your injuries, you have every right to seek damages from the person whose negligence caused your accident and suffering.

You could receive a settlement or court verdict for your lost income, medical bills, pain, mental trauma, property damage, and more.

Get in Touch with a Lakeland Vehicle Wreck Lawyer

Now you know a little more about how car insurance works in Florida. Auto wreck laws in Florida are different than in other states, and you may be unsure of whether you can file an injury claim against an at-fault driver or whether you must submit your claim with your own insurer.

Fortunately, you can get help with your claim by partnering with a vehicle crash attorney from Lopez & Humphries, PA. You can reach us through the online contact form below or by calling 863-709-8500.