Which statement about the no-fault law is true?

• A. Nonresident vehicles are exempt from no-fault law
• B. Complying with the law grants limited immunity from tort suits
• C. No-fault law requires PIP to be optional
• D. The no-fault law applies only to property damage

Answer: (B)

Florida’s no-fault system is about providing prompt medical benefits while limiting lawsuits for bodily injury. When you comply with the requirements—carrying the required PIP coverage and handling claims properly—you generally gain limited immunity from filing tort lawsuits for injuries caused in an auto accident. This is because the law channels bodily injury losses through PIP benefits and only allows lawsuits to recover non-economic damages under specific exceptions (like a serious injury threshold). So, the statement that compliance grants limited immunity from tort suits is the best choice because it reflects how the no-fault framework reduces litigation for bodily injuries.

The other statements don’t fit the framework: nonresident vehicles are not simply exempt from no-fault protections, PIP coverage is not optional, and the law addresses bodily injury through no-fault benefits rather than applying only to property damage.