Klausman Law
Call Today 407-917-9285

Florida drivers and personal injury protection

When Florida motorists get into car accidents, insurance companies play a large role in dealing with the aftermath. Similar to many other states, Florida law mandates certain types of coverage.

Currently, drivers must maintain personal injury protection, or PIP coverage, as part of their car insurance package. While lawmakers continue to debate changing Florida's no-fault approach, including possible elimination of the PIP requirement, at this time, the law remains in full effect.

Basic PIP requirements

Florida's no-fault laws provide that you can get insurance benefits from the mandatory PIP coverage after an accident regardless of who caused it. These benefits may cover medical expenses and some other losses as well. Drivers must have a minimum of $10,000 in PIP coverage and $10,000 of property damage coverage.

Who is covered

This coverage can also provide benefits to injured members of your household who were traveling with you and do not have their own vehicle. Passengers with their own PIP policy would need to contact their own insurances to get benefits.

Severe injuries

If you suffer certain particularly severe injuries due to the car crash, you may be able to side-step going through your insurance and sue the other driver for damages. These injuries include permanent scarring, significant and permanent loss of a major bodily function, and any other permanent and significant injury.

Optional coverage

Unlike many other states, Florida does not mandate bodily injury liability coverage for serious injury or death, although drivers may choose to obtain such coverage anyway.

Getting recompense for your losses

Dealing with insurance companies can be confusing and difficult, especially under the stress of a recent car accident. Even if you have the right coverage, actually getting the benefits can be a struggle. Insurance companies tend to prioritize saving on payouts rather than giving you everything you need to recover. An experienced Florida attorney can help you sort out matters with your insurance, advise you as to any additional options and fight on your side to help you get the compensation you need.

No Comments

Leave a comment
Comment Information

Klausman Law | 1201 Louisiana Ave., Suite A | Winter Park, FL 32789 | Phone: 407-917-9285 | Map & Directions