Car Accidents | In car accident cases only, Florida follows a no-fault system, which means that after most traffic accidents, an injured person’s own insurance company will provide coverage for medical expenses and lost income, no matter who was at fault for the accident.

You can’t hold the other driver liable after a car accident in Florida, unless the “serious injury” threshold is met. So most minor accidents will fall under the no-fault umbrella. But you may be able to step outside of the no-fault system and file a liability claim against an at-fault driver in Florida if, as a result of the accident, you suffered:

• permanent injury
• significant and permanent scarring, or
• disfigurement.

Obviously, these terms are a little vague, so it will be up for negotiation as part of your claim whether certain injuries meet the “serious injury” threshold of Florida’s no-fault rules.