What type of coverage do all parties involved in the accident have in Florida?

In Florida, all parties involved in an automobile accident are required to carry No-Fault or Personal Injury Protection (PIP) coverage. This coverage is designed to pay for medical expenses and certain other expenses related to injuries sustained in an accident, regardless of who is at fault. The key intention behind No-Fault insurance is to streamline the process of receiving medical care and to reduce the need for litigation over minor accidents.

Every driver must maintain a minimum level of PIP insurance, which covers a portion of medical expenses and lost income resulting from an accident. While other types of coverage, such as Bodily Injury Liability or Uninsured Motorist Coverage, may help cover expenses or damages related to the fault of the accident or lack of insurance, they are not mandatory for all drivers in a Florida accident. Collision Coverage, on the other hand, is voluntary and pertains to damage to one's own vehicle rather than injury to parties involved in the accident.

Thus, PIP coverage is the foundational layer of protection that applies universally in these situations in Florida.