Florida No Fault Law

Florida No-Fault Law Attorneys in Gainesville

Do You Understand the Coverage Provided by Florida No-Fault Insurance?

No-fault insurance is a type of insurance protection required by law for any resident who owns a registered vehicle. Since the state's statutory minimum does not constitute full liability coverage, no-fault insurance is designed to fill the gap. Many drivers have mistakenly thought they had all the insurance they would ever need, only to find out after an accident that they only had the bare minimum of protection. Prior to enacting today's no-fault laws, the chance of obtaining full compensation for serious injuries was somewhat limited.

Why Clients Trust Us

  • Personalized Advice & Concierge Level Experience
  • Direct Communication With Your Attorney
  • Over 125 Years of Combined Experience
  • Practicing in The Gainesville Area 55+ Years

Personal Injury Protection (PIP) Coverage & Exceptions

At Schackow & Mercadante, our attorneys have the experience and expertise to review your case and identify the best source of compensation for injuries and damages. 

Generally speaking, if you are a Florida resident and own a registered vehicle, you are covered in an auto accident by PIP:

  • While operating your vehicle
  • As a passenger in other vehicles
  • Regardless of who is at fault
  • Outside the state in your vehicle
  • As a pedestrian or cyclist

In addition to your personal coverage, PIP insurance may cover relatives and children who live with you, don't own a vehicle, and are involved in a collision: 

  • While driving your car
  • While riding with others
  • While walking or biking

If a passenger or relative living with you owns a registered vehicle, they are not covered by your PIP. Auto insurance coverage can be tricky. When you or a loved one are involved in a vehicular accident, it is important to seek the immediate advice of legal counsel to determine what coverage is available to pay for your family's medical expenses, pain and suffering, and lost wages. 

Call us at (352) 261-6767 for a case review.

Client Testimonials
  • “I am a UF student who got injured on campus and Schackhow and Mercadante handled my case extremely well. Everything was settled in about a year and I highly recommend them for any personal injury case in which you are a victim in any capacity.”

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