Q: How does property damage liability work in a no-fault state such as Florida?
Apr 23, 2021

I know that Florida is a no-fault state. Can someone please explain how property damage liability works in Florida?

Answer provided by
Eric Schad
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

“First off, you should understand that no-fault rules apply specifically to medical bills. In Florida, drivers have their own personal injury protection (PIP) insurance for their medical bills; this results in faster payouts because who caused the accident isn’t an issue.

Property damage liability (PDL) of $10,000 is the minimum level required, as set out by the state. However, the no-fault aspect of Florida’s laws doesn’t apply. In this sense, PDL functions like in any other state.

Your insurance will cover you up to $10,000 for damage to another vehicle. After that, you have to pay out of pocket.

Because $10,000 is a paltry amount, most insurance agents suggest a limit of at least $100,000 for PDL.”

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