Form florida no fault 2025

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Florida is a no fault state. In fact, it is one of 12 different states throughout the country that have no fault laws on the books. Drivers in some states, like Kentucky, New Jersey, and Pennsylvania, can choose to opt out of a no fault policy, but in Florida, no fault insurance is mandatory.
It simply means that, regardless of who is at fault for the accident, a driver can turn to their own car insurance for compensation for their injuries.
In terms of damages to vehicles and their contents, those claims are still based on fault. No-fault systems focus solely on issues of compensation for bodily injury, and such policies pay the medical bills for drivers and their companions no matter whose fault the collision was.
When You Can Sue in a No-Fault State? In Florida, a no-fault insurance system means each drivers own insurance covers their car damage and medical expenses, regardless of who caused the accident. However, this does not mean you can never sue the other driver.
As of March 24, 2023, Floridas statute of limitations for negligence claims, including those arising from car accidents, has been reduced from four years to two years. This legislative change mandates that victims of car accidents must file their negligence claims within two years of the incident.
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