Practice question

What is Florida's 'No-Fault' insurance law, and how should instructors explain it to students?

  1. It means no one is ever at fault in a crash
  2. Florida requires Personal Injury Protection (PIP) insurance, which covers the insured's own injuries regardless of fault, along with minimum property damage liability
  3. It means insurance companies cannot raise rates after an accident
  4. It applies only to commercial vehicles

Answer: B — Florida requires Personal Injury Protection (PIP) insurance, which covers the insured's own injuries regardless of fault, along with minimum property damage liability

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