What is no fault insurance?

No fault auto insurance, or personal injury protection (PIP), provides compensation for all parties involved in an auto accident, regardless of who was at fault. If you have registered a four-wheel vehicle in Florida, the no fault law requires you to have PIP coverage.

This coverage also provides for passengers, family members and children who do not operate a motor vehicle or have their own PIP coverage. PIP insurance provide coverage for your children should they be injured while riding a school bus. Additionally, PIP coverage protects you as a passenger of another vehicle, a pedestrian or bicyclist.


No fault compensation

Since both parties involved in a Florida car accident receive compensation from their insurance companies, no fault car insurance laws help to reduce legal costs associated with insurance claims and adjusters having to go to court to decide which insurance company pays out compensation.

Vehicle insurance in Florida is mandatory. Florida's minimum coverage is $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL) as long as you have a valid Florida license plate.


No fault states

In addition to the state of Florida, other no-fault states include Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah.


Do you need no fault or personal injury coverage for your vehicle?
Call Florida's insurance experts at Bird Insurance for a free quote or Submit A Request online.