Florida has no-fault coverage. Many drivers have difficulty understanding the meaning of no-fault insurance.
What The Law States
Florida motorists need to have at least $10,000 in personal injuries protection coverage (or “PIP”) This coverage covers medical bills and lost wages in the event of an accident. Florida drivers who are injured in an automobile accident can file a claim to their insurance company to get all of their medical expenses covered. The driver who is at fault for the accident will have to file a claim and sue the other driver.
It’s much easier to get damages in Florida thanks to the inclusion of PIP (no-fault insurance). Insurance with no-fault does not guarantee that every person is free from all faults. No-fault insurance means that your insurance company will pay your damages and handle your claim regardless of who is deemed at fault. If there are multiple drivers involved in an accident, insurance companies will assign a percentage. You can also sue the at-fault driver in various circumstances.
Florida Exceptions:
Drivers have the right to sue other drivers if they feel that another driver is negligent in certain situations.
How Do You Determine Fault?
Every insurance company uses different methods to determine fault. You can also file a formal complaint to have the decision reconsidered.
What Impact Will An At-fault Event Have On Your Insurance Rates?
If you are found at fault in an accident, your insurance company might decide you are responsible for damages to your vehicle. The decision to fault will be recorded on your record. This could mean that your rates may continue to rise when you renew your policy or shop for insurance quotes.
The Advantages Of No-fault Coverage:
No-fault insurance can be a better choice than having insurance companies fight over who pays first after an accident. You can also avoid other expenses associated with an accident by choosing no-fault insurance.
Protect Yourself Properly
No-fault insurance doesn’t cover everyone in Florida. Regularly review your insurance policy to make sure you have the legal right to all coverage.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is a car accident attorney in St Petersburg. She focuses on personal injury, car accidents, and bicyclist injury. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.
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