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What Is No Fault Insurance in Florida?

Felecia Andrews, 33, a Florida Highway Patrol trooper, is recovering from her injuries following a five-vehicle chain reaction accident on I-95. The incident occurred in December when she stopped at the scene of a minor accident along the side of the interstate highway. Trooper Andrews was taking a report of the accident when Derek Adam Nelson, 33, slammed his pickup truck into Trooper Andrews’ patrol car. She was evacuated to Broward Health Medical Center in serious condition. Nelson was also listed in serious condition following the accident.

Florida is one of only a handful of states to offer no fault insurance. This means that while Nelson may face criminal charges as a result of the accident injuring Trooper Andrews, his insurance covers his own injuries. No fault insurance means, in essence, that fault is not assigned in accident claims. This allows drivers who are at fault in an accident to get full insurance coverage for their own vehicle and medical coverage. The costs of the other people’s vehicle damage and medical coverage are covered by their own insurance. However, if your damages exceed your coverage limits, you may need to file a lawsuit to recover the difference.

If you have been involved in a car accident in Florida, you may be entitled to monetary damages as a result of the accident. Speaking to an experienced attorney who specializes in motor vehicle accidents can be one of the best decisions you make following such an incident. Your attorney can help you to file the appropriate claims with the insurance company and ensure that you get the money you need and deserve to move on with your life.

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