Is my state a no-fault state? in Florida

Whether your state runs no-fault or at-fault, what PIP pays if you have it, the minimum liability limits the other driver had to carry, and whether uninsured motorist cover must be offered to you.

No-fault or at-fault

No-fault. Your own PIP pays first regardless of who caused the crash, and you can only step outside that system and claim against the other driver for pain and suffering if your injury meets the statutory threshold.

Minimum liability limits

Not listed

PIP / medical payments

PIP to a limit of $10,000 in medical and disability benefits, plus $5,000 in death benefits. It pays 80 percent of reasonable and medically necessary expenses and 60 percent of lost gross income — so by design it never covers the whole loss. Non-emergency treatment is capped at $2,500 unless a licensed provider determines you had an emergency medical condition.

Uninsured & underinsured motorist

Not listed

Deadline to start treatment

14 days. PIP covers your medical expenses only if you receive initial services and care within 14 days of the crash. Miss it and the benefit is gone, no matter how badly you were hurt.

Source: Florida Statutes § 627.736: PIP "to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits"; "Eighty percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services"; "Sixty percent of any loss of gross income and loss of earning capacity"; benefits apply only "if the individual receives initial services and care pursuant to subparagraph 1. within 14 days after the motor vehicle accident.". Verified September 23, 2026. Information, not legal advice.