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In Florida, all owners and operators of motor vehicles are responsible for having insurance coverage for damage they cause to someone else's vehicle in an accident. The penalties for not having such insurance could include suspension of one's driving privileges.
In Florida, a person injured in a car accident is entitled to sue the at-fault driver and the owner of the at-fault driver's vehicle personally. Even if the at-fault driver has insurance, the injured person can still file a lawsuit for the amount of their damages against both the at-fault driver and the vehicle owner.
Florida is a "no-fault" car insurance state, which means the insurance claim process is meant to be more efficient after a car accident, since your own insurance pays for your medical bills and other economic losses.
Florida No-Fault Car Insurance Laws Florida is a no-fault state, which means each driver carries their own insurance to cover medical bills and car repairs up to a certain amount. More specifically, Florida Statutes § 627.736 requires drivers to carry PIP and property damage coverage policies of up to $10,000.
The Florida No-Fault Motor Vehicle Law requires drivers to carry Personal Injury Protection coverage as part of their auto insurance; this No-Fault coverage pays the insured's bills, regardless of fault, up to the limit of the insurance (minimum limit is $10,000).
Now, Florida is a no-fault state, which means that injured accident victims are required to go through their own insurance companies first and use up their personal injury protection coverage (PIP, which is $10,000) before seeking compensation from another source in a Florida chain reaction car accident.