No-fault Insurance

What it is, where it is offered, and how it can help

No-fault laws provide basic medical coverage for people injured in car accidents. While lawyers and insurance companies often take long periods of time battling over what actually took place and who is responsible for the accident, injured victims cannot afford to wait around. If you have been injured, you need care immediately.

Thusly, many states mandate that automobile insurance companies provide a certain amount of coverage to victims, no matter who is responsible. Hence, no-fault insurance.

 No-fault insurance can cover the following:

Medical bills
Lost wages
Replacement services

Warning: While no-fault insurance can be a useful and helpful tool in resolving your accident costs and needs, it is a fairly limited plan. It is not a substitute for:

Health insurance
Physical damage insurance
Collision insurance
Uninsured or under-insured motorist insurance

Florida no-fault insurance

All residents of Florida who own a motor vehicle are required to purchase no-fault personal injury protection. The insured person is covered while driving his or her vehicle or when a passenger in another's vehicle, as well as while outside a motor vehicle if struck and injured by a motor vehicle. Relatives and who live with the insured may be covered and other people who are in an accident while driving your insured vehicle may be covered.

If you or any of the above parties are injured while outside Florida while in your insured motor vehicle, you may be covered.

Does my state offer no-fault insurance?

Here is a list of states that offer no-fault insurance, and when they began doing so.

Hawaii - September 1, 1974

Kansas - January 1, 1974

Kentucky - July 1, 1975

Massachusetts - January 1, 1971

Michigan - October 1, 1973

Minnesota - January 1, 1975

New Jersey - January 1, 1973

New York - February 1, 1974

North Dakota - January 1, 1976

Pennsylvania, July 1, 1990 (Note: an earlier law passed on July 19, 1976)

Utah - January 1, 1974

Your local insurance agent or company can provide information to you regarding the particular no-fault laws in your state. Contact Umansky Law Firm for assistance in resolving your case.

Relevant Insurance Information

What you need to know

Dealing with a car accident is a traumatic experience and if leaves most victims confused, alienated, and unsure of how to proceed. Because of this, it is best to protect yourself using options provided to you through your insurance carrier. However, whether or not you have been in an accident, there are a few common aspects of coverage that you should acquaint yourself with.

Contact us

We can help you figure out your insurance situation. If you have been in an accident, contact our personal injury attorneys immediately. We are here to help.

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