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  • We are an attorney and medical referral service
  • Proven Effective in Successfully Handling Personal Injury Cases
  • Attorneys in the 1-800-injured network work on a contingency basis. They only get paid if you win.
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Is Auto Insurance Mandatory In Miami?

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Yes. In Florida, you need to have car insurance that meets the state’s minimum liability requirements to drive legally. The benefits from your auto insurance coverage are intended to cover medical bills and lost wages after an accident.

If you need help filing an insurance claim, or getting the compensation you need after a crash, a personal injury attorney could help you get the maximum compensation for your case. Call 1-800 INJURED to discuss your options with an experienced Miami car accident attorney from our referral network today.

Florida’s No-Fault Insurance Law

Florida’s No-Fault law requires drivers with a vehicle that has four or more wheels to purchase full liability car insurance. This law is intended to protect drivers after a car accident by requiring auto-insurance provide some financial protection regardless of which driver was “at-fault” in any given crash.

Drivers need to provide proof of active car insurance when they first register their vehicle with the Department of Highway Safety and Motor Vehicles (DMV). You may present the declaration page of your policy or your insurance card in either paper or electronic form.

Minimum Requirements for Florida Car Insurance

To satisfy Florida’s no-fault law, you have to purchase a basic auto insurance policy with at least the following two types of protection:

  • $10K in Property Damage Liability (PDL) Coverage: This part of your insurance policy is intended to pay out the other party for their property damages when you are liable for a car accident. On the other hand, if you suffer property loss in a crash that is not your fault, the “at-fault” driver’s insurance company will cover the repairs for your car.
  • $10K in Personal Injury Protection (PIP) coverage: These essential PIP benefits will cover 80% of your medical bills regardless of which driver is at fault. Unless you elect to exclude specific benefits, this PIP coverage also includes a $5K death benefit available if an insured driver were to die in an accident and a disability benefit that reimburses you up to 60% of lost wages. Each of these separate benefits counts towards the combined $10K limit that your insurance provider will pay per accident.

The coverage and benefits of your insurance plan extend to your family if you choose to cover them, but family members are excluded from coverage if they have their own auto insurance.

Exceptions to Florida’s No-Fault Law

If you have more than $10K in medical bills and lost wages or have sustained permanent damage in a car accident that was not your fault, you could recover additional compensation through a personal injury lawsuit. Depending on your situation, you may be able to get money for economic damages like medical bills and lost wages, along with payment for intangible losses like your pain and suffering.

How 1-800 INJURED Can Help You

If you need help filing an insurance claim or personal injury lawsuit after an accident, 1-800 INJURED can connect you with an experienced personal injury attorney. We are a medical and attorney referral service that helps drivers in South Florida get connected with the professionals they need after a crash. The network of attorneys we work with are dedicated to assisting clients to get the most money for their case and they are prepared to do the same for you. Call us toll-free at 1-800 INJURED to get started on your case today.

Car Accident in Florida?

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Paola Tangarife

En el accidente que tuve el año pasado... contacte 1800- Injured, la atencion fue inmediata.. el personal del centro medico excelente, cuando necesitaba transporte me mandaban recoger. He quedado muy contenta con el servicio y sobre todo con la compensacion q el abogado me consiguio...Los recomiendo 100%

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Diana Hernandez

Excellent service, amazing team! Thank you for making this process easy. Specially thank you for Caring ... definitely super recommended!

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Christian Been

The most friendly personnel, very dependable and reliable services, superb customer service skills that assisted me with my case from start to finish. Most definitely helped through my whole injury process with the best medical treatment available in miami. I would most definitely recommend 1-800-INJURED to anyone that has been involved in a car accident. I was involved in a car accident the medical center has become family. The attorneys got me properly compensated for all my injuries and also my bills that were getting higher and higher, and now I'm out of debt. Thank you guys for all your help really appreciate it.

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Edner Blaise

Great staff and company, help me out when I didn't have clue what to do. Help me get to my therapy and doctor appointments on time. Always kept me updated and actually show concern. I lost my job and all threw the accident but 1800 Injured help me overcome and I found me another job in no time.Even doe I was in a accident 1800 Injured was a blessing and help start a new path. I really appreciate the help and the work they did on my case. I will forever be greatfull and appreciate what they have done. If you ever in a accident they are the only people I recommend!!! 1-800 -Injured

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Janet Morejon

They contacted me on the date and time I asked them to. Had me in and out the medical facility with great hospitality. Met with the attorney and things are looking great.

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John O.

These guys have helped me to the fullest. I highly recommend these guys to anyone who needs help after being in an accident. Thank you 1-800 injured.

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Robert Guerrero

1-800-Injured is the best company by far in the whole state of Florida for all your accident needs. Amazing company, They are truly very unique in their own special way and have tremendous customer service. Best company out there, hands-down. I highly recommend 1-800-Injured.

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Leo Machado

I had a case with 1800 injured and they were very helpful, very professional, and friendly. Always answered all my questions. Even thought being in a accident is a horrible experience, they made it super easy for me.

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Jose Balboa

I was injured while on my bike. I was hit by a car and broke my arm. It was my first accident and I didn’t know what to do. I called Them and their team helped me through everything from finding medical attention to getting therapy for my arm. If you ever need someone to help you through any accident I recommend 1-800 Injured over anyone else! Thank you guys for all your help!

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Janeth Zapata

Excellent service and customer care. Good medical services. I will recommend them million times. They help us and answer all our questions timely.

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Cynthia Palomino

A car accident can be the most stressful time for anyone. The best thing I could've done was call 1800 injured. They take care you from beginning to end. They handle all of the work of going through the claim process and making sure you get the medical treatment you need. Working with their lawyer was very helpful during this time. You won't regret it.

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Cynthia Palomino

A car accident can be the most stressful time for anyone. The best thing I could've done was call 1800 injured. They take care you from beginning to end. They handle all of the work of going through the claim process and making sure you get the medical treatment you need. Working with their lawyer was very helpful during this time. You won't regret it.

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Monch Star

Great staff, Got into in accident and called them and they had my back all the way.

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Pamela Skordilis

Thank you so much 1800Injured for helping me through such a difficult time after a very painful slip and fall. Because of the amazing medical treatment I received I had such a speedy recovery feeling as good as brand new. I highly recommend 1800injured for anybody involved in any type of accident...my life got so much easier with the help and guidance from the best attorney who never missed a call or text or left any question unanswered.

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Adela Palomino

The team came together to assist me in everything possible. They handled my case in a professional matter knowing that time is sensative on each case. Highly recommend 1-800-Injured.

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Juan Castroman

Great service, Paola is very nice.. very helpful! Will recommend to friends and family for sure!

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Jardine Lewis

I must say that working with 1800-Injured was seamless during a stressful period. Both myself and my wife got into auto accidents within two months of each other and the service received ion both cases from this company is seciond to none. We felt completely at ease from the initial phone call, as they were recommended by someone else who too had a pleasant experience and at every stage in the process we were kept informed, the explanation of the process was thorough and the follow up was an indication that we were in great hands. Thank you for making what could have been a very unpleasant and stressful experience one that was seamless and stress free.

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Matt Shapiro

I used 1800injured after my accident and I'm really glad I did. They set me up with amazing professionals that settled my claim quickly and most importantly, hassle free. I don't know how people find the time to resolve a car accident any other way.

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Indiana Sacasa

I had a car accident a few months ago, I called 1-800 Injured and they were there for me through the whole process from start to end. The medical treatment I received was excellent and they connected me with a great lawyer. They will definetly help you out! I would completely recommended after a car accident :)

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Giancarlo Siero

I had a car accident about 3 months ago, I contacted 1-800 injured and couldn't be happier. They were not only very professional but very understanding of my personal needs. The medical treatment I received was beyond my expectations, and they got me in contact with a great lawyer as well. I would definitely recommend after a car accident.

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Pedro Gonzalez

I had car accident and this guys took care of everything all the way to the end . I'm very happy with the results I had ! I recommend them without a doubt 100%!

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Naslyn Baez

I was recently involved in a automotive accident. A car crashed into my car from behind and I was pushed forward and I hit the car in front of me. At that time I really didn't know what to do or who to call. I remember seeing an Ad for 1 800 Injured on my Instagram page. I called them and they were very informative and handled everything from A to Z. They set me up with a great lawyer and with the right doctors.

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Luis Carlos Ferro

Hace unos cuantos meses tuve un accidente con mi novia en el highway, inmediatamente despues del accidente me comunique con 1-800 injured ya que un amigo me lo habia mencionado. Desde que hice la llamada estuvieron a mi disposicion 100%. Me mandaron a la clinica el mismo dia y me ofrecieron un driver de mi casa a la clinica ya que no podia manejar en esas circustancias. No solo eso, tambien me ofrecieron un exelente abogado que llego a mi casa el mismo dia del accidente. No puedo quejarme de su servicio, recibi un excelente tratamiento en la clinica durante 3 meses y en todas mis visitas el driver me llevaba y me traia a mi casa. Definitivamente ofrecen un excelente servicio y se preocupan por sus clientes. Si llegan a tener un accidente automovilistico no duden en contactar a 1-800 Injured!

Have you been injured?

  • We are an attorney and medical referral service
  • Proven Effective in Successfully Handling Personal Injury Cases
  • Attorneys in the 1-800-injured network work on a contingency basis. They only get paid if you win.