In the United States, every state has a quite different policy regarding their citizens’ car insurance. For instance, there are only 12 states that have no-fault laws on their policy books. The car insurance Florida is one of the car insurance in 12 states that have the no-fault laws on their policy. Basically, no-fault laws are not intended to show people that none is responsible in a car accident. It is more to show people that in a car accident, there is a limitation on how much a driver can sue another driver’s insurance company for the accident.
The no-fault laws also have numerous levels for each state. Generally, most of the states have the qualitative threshold. The car insurance Florida falls under this level. The qualitative threshold allows the client to sue the other driver’s insurance company up to an amount of money if the car accident causes him to get specific injuries, such as permanent disability, disfigurement or even death. These laws avoid people from suing an insurance company for some amount of money just because they got into a small car accident with its client.
Unlike the car insurance Florida, the other states, however, have a stricter rule for the no-fault laws. Instead of letting their client sue for an amount of money, the no-fault laws only allow the clients to sue for an exact amount of injuries or damages that are not covered by the insurance company. That means the client cannot sue for psychological or mental distress caused by the accident.