Florida Automobile Insurance Attorney
The law is constantly evolving every day as legislators and Judges implement and interpret the laws. As of May 2020, the following general guidelines apply with respect to the nature and type of insurance benefits which may or may not be available to compensate injured parties who have been involved in an accident.
There are three (3) primary types of automobile insurance benefits which may be available to assist injured persons in recovering for their accident related injuries and economic losses and which include the following:
1. Bodily Injury Benefits
2. Uninsured or Underinsured Benefits
3. Personal Injury Protection Benefits
Bodily Injury liability insurance coverage is car insurance coverage that pays for injuries a driver causes to other people including other drivers, passengers, bicyclists, moped drivers, motorcyclists and pedestrians. BI coverage is available to pay for things which include but are not limited to medical expenses, lost wages, pain and suffering and funeral expenses. It is not the same as Property Damage Coverage which is available to cover damage a driver causes to the vehicle or property of another.
Note: Florida law does not require drivers to carry Bodily Injury Insurance. Many times the at fault driver who causes an accident does not carry any Bodily Injury Insurance at all or may only carry $10,000 which usually does not even cover the typical Emergency Room bill of a seriously injured person.
Uninsured motorist coverage protects you if you’re in an accident with an at-fault driver who does not carry bodily injury liability insurance. Underinsured motorist coverage is meant to cover you when you’re in an accident with an at fault driver whose bodily injury liability limit is too low to cover the damages you sustain as a result of the accident. It is coverage which you must purchase from your own automobile insurance carrier. UM coverage is relatively inexpensive and we strongly encourage all of our clients to purchase this valuable coverage especially in light of the significant number of accidents caused by uninsured or uninsured drivers on Florida roadways.
Personal Injury Protection (PIP) is known as “no fault insurance” because it covers you, relatives who reside in your household, persons operating your vehicle with your permission, passengers and persons struck by the vehicle who are not operating a self propelled vehicle (like a motorcycle, tractor, golf cart, etc.). PIP insurance covers things such as 80% of medical expenses up to $10,000 and 60% of lost wages, as well as funeral expenses and some replacement services such as house cleaning or maintenance which the injured person can no longer perform. Florida law also provides that if an injured person does seek medical treatment within 14 days after a motor vehicle accident then the insurance company may only be held liable to pay $2500 instead of $10,000 in PIP benefits even though the injured person paid the full PIP insurance premium. This is why we believe it is critical that injured persons seek medical care immediately after an accident.
The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any
individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.
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