As a lawsuit company, we can confirm that we receive applications from people for a variety of lawsuits. One of the most common applications is due to automobile accidents. However, there are the so-called “no-fault” states in the USA. What is a “no-fault” state and is Florida a “no-fault” state?

The answer is yes, Florida is a “no-fault” state. Some time ago, there were many lawsuits involving soft tissue injuries. This is why some insurers sought tort reform because of alleged abuses. While certain specifics varied in different states, “no-fault” insurance regulations mandated restrictions on suing people for negligent driving.

But, what is “no-fault” automobile insurance? It means, after a car accident, your own insurance coverage (personal injury protection- PIP) pays the medical bills and other financial losses regardless of who is at fault, although PIP claims have limits to the kinds of losses that can be covered.

In order to be able to receive money for your losses, including “pain and suffering” your injuries must meet certain tests in “no-fault” states.

In order to be able to pursue a liability claim against a negligent person who caused the accident, according to Florida law, the injuries you sustained must be “serious”. This means that the injuries must be one the following: bone fracture, permanent limitation of use of a body organ or member, significant disfigurement, a significant limitation of use of a body function or system or substantially full disability for 90 days. If your injury is one of the previously mentioned, you can file a personal injury lawsuit and pursue non-economic losses as well, such as pain and suffering.

As you may assume, passing of “no-fault” insurance severely limited the types of compensable injuries you may sustain in a car accident. Injuries other than the above mentioned are difficult to fund by a legal funding company. Even though pre-settlement cash advances in “no-fault” states pose a significant challenge, they are still offered by lawsuit funding companies. The injured and damaged parties are still able to recover for their damages; the rules are different, but the game is the same.

If you were involved in a car accident and are in need of financial help, feel free to contact Certified Legal Funding’s team of experts who will do everything to help you and make sure you are back on your feet after hard times. Call us today at 800 922-7439 because our goal is to get your money fast!

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