Does Florida’s No-Fault Law Apply to Commercial Truck Accidents

https://youtu.be/I1k0lalu3Xo

In the attached video, David Fenstersheib of Fenstersheib Law Group explains how Florida’s no-fault insurance law — also known as Personal Injury Protection (PIP) — applies when a commercial truck is involved in a crash. While the short answer is yes, the details are more complex than many people realize, especially when serious injuries and multiple insurance policies are involved.

Under Florida’s no-fault system, your PIP coverage pays for your initial medical bills up to $10,000, regardless of who caused the accident. This means that even if a commercial truck driver was clearly at fault, your own auto insurance will be the first to cover your medical expenses. However, there are exceptions — for example, PIP doesn’t apply if you were driving for work, a rideshare company, or food delivery service at the time of the crash.

When injuries are severe and your PIP benefits are exhausted, the trucking company’s liability insurance becomes crucial. Commercial trucks are typically required to carry much higher insurance limits than regular vehicles, but identifying and accessing that coverage isn’t always easy. Trucking companies and insurers often try to minimize payouts, which can make recovery even more difficult for accident victims.

That’s why having an experienced Florida truck accident attorney is essential. The team at Fenstersheib Law Group investigates every policy involved, reviews the truck’s insurance coverage, and ensures that victims receive the maximum compensation available under the law. They know how to hold trucking companies accountable for negligence and how to navigate the complex web of insurance policies that often follow a commercial truck accident.

If you’ve been injured in a crash involving a semi-truck, tractor-trailer, or any commercial vehicle, don’t face it alone. Call Fenstersheib Law Group today or visit TellFLG.com to schedule your free consultation. Our attorneys will explain your rights under Florida’s no-fault law, uncover all available coverage, and fight to secure the compensation you need to recover and rebuild your life.