What Is a No-Fault State?

When it comes to auto insurance, states can choose between tort and no-fault insurance mandates for their residents. While tort car insurance assigns an at-fault driver who is responsible for all damages, medical bills, and pain and suffering, no-fault insurance—often referred to as Personal Injury Protection (PIP) insurance—helps motorists cover any medical expenses or loss of income due to an accident, regardless of fault.

However, if you’re a Central Florida driver in need of Orlando auto insurance, then you may need a little bit of both.

Is Florida a No-Fault State?

Officially a no-fault state, Florida auto insurance relies on a combination of both the no-fault and tort systems.

The Sunshine State requires residents to carry $10,000 worth of Personal Injury Protection (PIP) to pay for their own medical bills and also requires $10,000 of Property Damage Liability (PDL) insurance to help pay for damage to someone else’s vehicle or property if at fault in an accident.

In addition to Florida, these states also require mandatory no-fault insurance:

  • Arkansas
  • Delaware
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah

What Does No-Fault Insurance Cover?

For policy owners and their passengers, no-fault insurance covers the following accident-related expenses:

  • Loss of income due to an inability to work
  • Cleaning, childcare, or other services you’re unable to perform due to your injury
  • Your health insurance deductible
  • Hospital and other medical bills
  • Funeral costs

Get the Orlando Auto Insurance Coverage You Need

If you have questions about your Orlando auto insurance coverage, the professionals at Corkhill Insurance Agency would love to help. After all, service is our policy.

From Personal Injury Protection to Property Damage Liability, we’ll set you up with an auto insurance policy that’s right for you, so you’ll feel well protected and know exactly what’s covered in the unfortunate event of an accident.

For a free quote, call us today at 407-898-8891.