Since 1977... Bringing Justice and Compensation to our Clients

Call Us Now

No-Fault Insurance

No fault insurance covers you against losses regardless of who actually caused the injury. Thus, if you have no-fault car insurance, you will be compensated for any injuries you suffer directly by your insurance company instead of processing the claim through the at-fault driver’s car insurance.

Not every state is a no-fault state. Most states use a traditional tort system to determine liability. A few states have adopted no-fault rules for auto insurance coverage in order to reduce the number of personal injury lawsuits in the courts and to reduce the costs of medical expenses. Although this may be laudable, it presents several problems for those seriously injured in an accident, or those who have been injured by reckless or impaired drivers.

  • Limits damages recovered
  • Restricts litigation options
  • Raises insurance premiums overall
  • Subject to fraud or misuse

Florida let its no-fault rules lapse in October 2007, only to reinstate them at the beginning of 2008. The new no-fault rules in effect in Florida limit the types of medical clinics that can bill services to no-fault policies. Under the new no-fault rules, motorists must carry a minimum $10,000 personal injury protection, which covers the injuries suffered by the policyholder and the passengers of the policyholder’s car. Florida no-fault rules also call for a minimum $10,000 property damage liability, which pays for damages caused by the policyholder.

These minimums are often far lower than the actual costs of injury or property damage. If you have been seriously injured by a motorist, you may be able to recover the real costs of your injury. In Florida, a no-fault liability threshold may determine if your injuries are severe enough to pursue standard tort based litigation.

James O. Cunningham is a Florida auto accident lawyer with over 30 years experience fighting for fair compensation for auto accident victims. He has the experience to determine if your personal injury case meets the tort threshold, and to vigorously represent your interests in an auto accident lawsuit. Please contact the Florida Law Offices of James O. Cunningham, P.A. today and set up a consultation about your case.

Return to Main

Florida Personal Injury Office Locations

Main Office

Orlando Personal Injury Office:
3117 Edgewater Dr.
Orlando, FL 32804
Phone: 407-425-2000
Toll Free: 877-FL-INJURY
Fax: 407-843-8274

Seminole County

Lake Mary Office:
1001 Heathrow Park Lane
Suite 4001
Lake Mary, FL 32746
Phone: 407-487-4408

Osceola County

Kissimmee Office:
17 S. Orlando Ave.
Kissimmee, FL 34741
Phone: 407-966-4408

Volusia County

Daytona Beach Office:
1301 Beville Rd., Suite 8
Daytona Beach, FL 32119
Phone: 386-243-4994

DeBary Office:
465 Summerhaven Drive, Suite C
DeBary, FL 32713
Phone: 386-320-3911

Deland Office:
Downtown Executive Center
120 South Woodland Blvd.
Deland, FL 32720
Phone: 386-206-1264

Citrus County

Inverness Office:
110 North Apopka Ave.
Inverness, FL 34453
Phone: 352-205-4341

Polk County

Lakeland Office:
1102 S. Florida Ave., Suite 104
Lakeland, FL 33803
Phone: 863-968-7551

Winter Haven Office:
325 Avenue A, N.W.
Winter Haven, FL 33881
Phone: 863-968-7173

Hillsborough County

Tampa Office:
100 S. Edison St. Suite D
Tampa, FL 33606
Phone: 813-355-9772

Marion-Sumter Counties

The Villages Office:
3420 U.S. Hwy. 27/441
Fruitland Park, FL 34731
Phone: 352-419-0825

Lake County

Mt. Dora Office:
602 East 5th Ave.
Mt. Dora, FL 32757
Phone: 352-436-4696

Clermont Office:
900 W. Highway 50
Clermont, FL 34711
Phone: 352-503-4674

Brevard County

Titusville Office:
506 S. Palm Ave.
Titusville, FL 32780
Phone: 321-222-7300

Cocoa Office:
96 Willard Street
Suite 206,
Cocoa, FL 32922
Phone: 321-757-1373