Another phrase that I hear often from clients is “this is a no fault state right so no one is at fault for the accident right?”  It is correct that Florida is a quote unquote “no-fault state.”  Florida’s legislature has enacted a no-fault law that classifies itself as such.  I will first tell you that because Florida is a no-fault state it defiantly does not mean that no one is at fault in a car accident.  I will agree that the name certainly implies such and I will even go as far as saying the name itself is misnomer. 

One phrase that I hear often from clients is, “I’m good I have full coverage.”  My response to this in the most non-condescending way is, well what is full coverage?  It’s a very simple question.  A question that the answer is implied to one knowing if they are claiming to have it correct?  Take a moment to think about it yourself.  What is full coverage insurance?