No Fault Insurance - Personal Injury Protection


Florida vehicle license plate reading 'NO FAULT'No fault auto insurance coverage, also known as Personal Injury Protection or PIP, is coverage which applies to a driver, passengers and any pedestrians involved in an automobile accident. It pays up to the policy limits for medical expenses, loss of wages, and other related injuries regardless of who is at fault and even if there is negligence involved.

Personal Injury Protection was designed to cover medical and related losses as quickly and smoothly as possible. This coverage reduces the amount of lawsuits because lawsuits can usually only be filed if losses exceed the coverage provided by a PIP auto insurance policy.

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No Fault Insurance provides coverage for:

  • Medical and rehabilitation expenses related to an accident.
  • A death benefit in addition to the basic PIP limits which is payable to the estate of a person eligible for No-Fault benefits but killed in an automobile accident.
  • A specified percentage of lost wages from employment, up to a maximum limit per month for up to a certain time from the date of the accident
  • .
  • A specified amount of money per day, for up to a specified time from the date of the accident, to reimburse other reasonable and necessary expenses resulting from the auto accident.
A person might be Ineligible for No-Fault Insurance benefits if:

  • driving while intoxicated or impaired by use of a drug that contributes to the accident;
  • intentionally causing his or her own injuries;
  • riding an all terrain vehicle (ATV) or a motorcycle as operator or passenger (a pedestrian struck by a motorcycle or ATV is covered);
  • injured while committing a felony;
  • injured while in a vehicle known to be stolen; or
  • an owner of an uninsured vehicle.
 

It is important to be aware that No Fault Coverage (Personal Injury Protection) does not provide any coverage for any vehicle or property involved in accident. To provide coverage for your vehicle you one must obtain comprehensive and collision coverage which will cover your vehicle in case of damage from accidents, water damage, vandalism, theft, fire and more.

To protect against damage to other vehicles or property that you are liable for damaging with your vehicle, you can purchase property damage liability which covers other's property up to the policy limits.