Winter Park Auto Insurance Lawyer
While Florida mandates that you have auto insurance, numerous drivers don’t have insurance coverage or the proper amount of coverage. That means they aren’t protecting themselves or their family members. There are millions of accidents across the country every year. Millions of people are injured while tens of thousands die from their injuries. Having the proper auto insurance is crucial as accidents can happen when you least expect it. Many people think they have full coverage only to discover how exposed they are after an accident because their insurance company didn’t explain all the coverages available. If you need assistance with a claim or have questions, contact our Winter Park auto insurance lawyers to learn how we can help.
Florida Law Insurance Requirements
Under Florida’s insurance statutes, owners of motor vehicles, which are defined as having four or more wheels, must carry a minimum of $10,000 in property damage liability insurance and another $10,000 in PIP or personal injury property insurance. Many other drivers purchase other insurance like collision, comprehensive, towing and rental reimbursement, bodily injury liability, medical payments, and accidental death and dismemberment.
Florida’s No-Fault System
Florida is a no-fault state for motor vehicle collisions, which is what PIP coverage is. You will be covered up to the $10,000 limit regardless of whether you are at-fault for the accident. You should be directing your medical bills to your insurance company or your household relative if you are not the vehicle owner.
Your claim could be subject to a $1,000 deductible. PIP coverage pays your medical expenses according to the following schedule to reach the $10,000 limit:
- 75% of the usual and customary for any hospital emergency services you received;
- 80% of all necessary, reasonable, and lawful medical, diagnostic, transportation, and chiropractic services you received; and
- 60% of your loss of earnings.
With PIP, Florida essentially establishes a tort liability threshold for auto accident claims. A victim can reach the limit in cases where they sustain significant or permanent injuries, disfigurement, permanent scarring, loss of a substantial body function, or death.
Med Pay vs. PIP Insurance
Some people confuse medical payments coverage with PIP, but they are separate coverages. PIP may not cover all your medical expenses, which is where Med Pay comes in. Your medical payments coverage will cover medical costs, up to your limit, for you, your passengers, family, etc. no matter who is at fault. This coverage will apply whether you are driving your vehicle, a passenger in someone else’s car, or are a pedestrian who is struck by a motor vehicle.
Contact a Winter Park Auto Insurance Lawyer
If you were involved in an accident, it’s imperative to protect your rights. Don’t sign insurance documents or accept a settlement without first speaking with an experienced Winter Park auto insurance lawyer. We are dedicated to protecting the rights of injured victims, not insurance companies. Our goal is to allow you to focus on your recovery while dealing with all the insurance claim details. Please contact Israoui Law today to schedule a free, no-obligation consultation to learn more about how we can help you.