Florida personal injury law is continuing to evolve following the sweeping changes introduced by the 2023 Tort Reform Act. One of the most consequential changes for everyday motorists is still ahead. On July 1, 2026, Florida is scheduled to repeal its long standing no fault auto insurance system and mandatory Personal Injury Protection coverage. This transition will fundamentally change how car accident claims are handled across the state.
For drivers in Boynton Beach, understanding what is changing and how to prepare is essential.
For decades, Florida has operated under a no fault insurance model. Under this system, drivers were required to carry at least $10,000 in Personal Injury Protection coverage. After a crash, injured drivers typically turned first to their own PIP insurance to cover medical expenses and lost wages, regardless of who caused the accident.
Until July 1, 2026, this system remains in place. The 14 day medical rule still applies, meaning accident victims must seek initial medical treatment within 14 days of a crash to qualify for PIP benefits. Drivers are still legally required to maintain PIP coverage during this transition period.
Beginning July 1, 2026, Florida will move away from no fault insurance and into a fault based liability system. Mandatory PIP coverage will be repealed. Instead, drivers will be required to carry bodily injury liability insurance with minimum limits of $25,000 per person and $50,000 per accident, along with $10,000 in property damage liability coverage.
Under this new structure, injured parties will seek compensation directly from the at-fault driver’s insurance, rather than relying on their own PIP coverage. Liability will play a much larger role in determining whether compensation is available and how much may be recovered.
The shift to a fault based system will place greater emphasis on who caused the accident. Under the modified comparative negligence standard enacted in 2023, a person who is found to be 51 percent or more at fault for their injuries is barred from recovering damages entirely.
For Boynton Beach drivers, this means that evidence, witness statements, accident reconstruction, and early legal guidance will be more important than ever. Even small allegations of fault can significantly impact the outcome of a claim.
Although the repeal of PIP does not take effect until July 2026, drivers should begin preparing well in advance. Insurance policies should be reviewed carefully to understand future bodily injury liability limits and optional coverages that may offer additional protection.
Motorists should also understand that while PIP is being phased out, the broader tort reform changes remain fully in effect. The statute of limitations for most personal injury cases is now two years. Delay can permanently eliminate the right to pursue compensation.
It is critical to remember that PIP coverage is still mandatory until July 1, 2026. Drivers who cancel or reduce coverage prematurely risk being uninsured under current law. Accident victims must still comply with the 14 day medical rule and other PIP requirements during this interim period.
Failure to follow existing rules can jeopardize benefits and complicate future claims.
As Florida transitions to a new insurance framework, uncertainty and confusion are inevitable. Insurance companies will adapt quickly. Injured individuals must do the same.
At Aronberg & Aronberg, we closely monitor changes in Florida personal injury law and how they affect accident victims in Boynton Beach and throughout South Florida. If you have been injured in a car accident or have questions about how these upcoming changes may impact your rights, speaking with experienced counsel early can make a critical difference.
Preparing now helps protect your future. If you need guidance navigating Florida’s changing auto insurance laws, contact Aronberg & Aronberg to discuss your situation and your legal options.
