Skip to content
News| Devastating I-20 Crash: Why You Need a Car Accident Lawyer
Devastating I-20 Crash: Why You Need a Car Accident Lawyer…
Understanding Florida’s No-Fault Insurance System
We Don’t Take “Low” for an Answer!
Florida’s no-fault insurance system can be confusing after a car accident, whether it’s a minor fender bender or a severe collision. Grasping how it works is crucial for navigating insurance claims and protecting your rights. At Kaiser Romanello Accident & Injury Attorneys, we simplify the process and help you pursue the compensation you deserve.
What Is Florida’s No-Fault Insurance System?
Florida’s no-fault system requires each driver to file a claim with their own insurer after an accident, regardless of who caused it. This system, centered on Personal Injury Protection (PIP) coverage, streamlines claims and provides quick access to benefits, covering up to $10,000 for medical bills, lost wages, and related expenses. However, PIP’s limits may fall short for serious injuries or vehicle damage, making it essential to understand its scope.
How No-Fault Insurance Impacts Your Claim
Filing with your PIP coverage is the first step in Florida’s no-fault system, even if another driver is at fault. PIP offers immediate funds for medical care and lost wages, but its $10,000 cap may not cover extensive treatments. Vehicle damage requires separate collision coverage or a claim against the at-fault driver’s liability insurance. For serious injuries, Florida law allows lawsuits against the at-fault driver, but only if injuries meet specific criteria, such as permanent damage.
Pursuing Claims Against the At-Fault Driver
If your injuries qualify as “serious” under Florida Statute 627.737—such as permanent damage, significant scarring, or loss of bodily function—you can sue the at-fault driver. This allows recovery for pain and suffering, medical costs beyond PIP’s $10,000 limit, future expenses, and emotional distress. A car accident lawyer can assess whether your injuries, like spinal damage or disfigurement, meet the threshold and build a strong case.
Challenges in the No-Fault System
Despite its aim to simplify claims, Florida’s no-fault system presents hurdles. Insurers may dispute PIP payouts, question treatment necessity, or claim injuries predate the accident. When suing an at-fault driver, their insurer may argue your injuries aren’t severe enough. Florida’s pure comparative negligence rule further complicates matters, reducing compensation based on your percentage of fault, such as a 20% reduction if you’re 20% responsible.
How Kaiser Romanello Can Assist
Navigating the no-fault system, especially with serious injuries or insurance disputes, can be daunting. Kaiser Romanello Accident & Injury Attorneys offers expert support by reviewing your case for lawsuit eligibility, negotiating with insurers to maximize PIP and additional claims, gathering critical evidence like medical records, and advocating for fair compensation, even if you’re partially at fault.
Take Action to Protect Your Rights
Florida’s no-fault system provides a starting point for recovery, but it may not fully cover your losses. Don’t let insurance challenges limit your compensation. Contact Kaiser Romanello Accident & Injury Attorneys at 844-877-6679 for a free consultation to explore your options through PIP or a lawsuit. Disclaimer: This content is for informational purposes only and not legal advice. Consult a professional for tailored guidance on your unique case.
Contact Us Today
Recent Victories for Clients
$5 Million
Negligent Security
$1 Million
Ride Share
$1 Million
Car Accident
“Kaiser Romanello changed my life. They are The Dream Team! Could not recommend them anymore! If you want to get the most money for your personal injury claim call Kaiser Romanello today!”
-Lu R
Former client
“l just got off the phone with Mr. Loren Kaiser for a free consultation and he was absolutely amazing. He was extremely helpful, detail oriented and did not add any “rushed” feeling to the phone call. If I have anything substantial to move forward with, I will proudly utilize this law office. Thank you, Mr. Kaiser, for your help, input and advice! It is greatly appreciated.”
-Trina R
Former client
“Steve and his partner are just very knowledgeable, amazing client service, Steve it is the kind of persons who loves what he is doing, he went about and beyond his lawyer responsibilities in my case, they care about you, If you are looking for professionals at the highest levels, use their services. Not only you will be represented by top lawyers, but you feel like part of the family. Thanks for everything, God bless you.”
-Carlos V
Former client
Additional Locations
Frequently Asked Questions
How to Pick a Personal Injury Lawyer in Florida?
How Much Do Personal Injury Lawyers Charge in Florida?Â
How Long Do Personal Injury Cases Take in Florida?
