Florida law makers have passed legislation that requires every driver that has a registered vehicle in the state to carry a minimum amount of insurance coverage. The No Fault Statute in Florida requires each driver to maintain PIP and property damage liability. The minimum PIP coverage that each driver must have under the Statute is $10,000.00.

PIP in Florida also extends to provide coverage to the driver’s other individuals that are lawfully operating their vehicle, relatives and some other passengers that do not have their own PIP coverage and do not own a vehicle. Under the Statute, PIP coverage includes medical benefits, death benefits and disability benefits.

The coverage from PIP only covers bills up to the limits in the insurance policy. Any injuries that an individual sustains that end up requiring treatment that exceeds the policies coverage will result in the remainder of the expenses being paid out of pocket. 

According to Florida Statutes, and most auto insurance policies, written notice of an auto accident is required as soon as reasonably possible after the accident occurs. The insurance provider is required to pay your benefits for any injuries sustained within 30 days after they were given written notice of a claim that is covered under the policy.

Some claims may still be excluded from PIP coverage, including conduct by the injured person that contributed to the injuries, injuries to a person driving without permission from the vehicle owner and injuries in an accident while committing a felony.

Insurance companies regularly find reasons to deny claims by persons covered under PIP. Some of the more common reasons for denial include untimely payment of insurance premiums, suspicion that the injury was preexisting, claim that the injury was due to fraud, or that the injury is excluded from coverage because of a specific provision in the insurance policy.

If your claim has been denied by an insurance company, it is important to hire an attorney that is experienced in insurance law. If your claim was unlawfully denied or your car insurance carrier acted in bad faith, hiring the right attorney can be crucial to ensuring that the proper legal action is taken. Consulting with a Florida Litigators attorney is a great first step receiving the benefits that you deserve.

There are two types of liability coverage bodily injury and property damage.  These coverages protect you or cover you from legal liability up to the limit selected for damages caused in a covered accident.  This means if it’s your fault and you would be legally obligated to pay for another person’s injuries and damages as the result of a cover auto accident, the bodily injury liability would pay for the damages up to the selected limit.  Property damage liability insurance covers you for damages to property.  The insurance company will hire a lawyer and defend you if you are sued.

If you have been in an automobile accident that was not your fault and injured, the at fault driver’s liability insurance coverage would be available to pay your damages and perhaps other drivers in the accident.  If you have been hurt in an accident and would like help to determine the available liability coverage of the at fault driver give us a call and we can request this information from the insurance company on your behalf.

Personal Injury Protection coverage is commonly referred to as PIP and “no-fault insurance”.  In Florida, the state requires each person who owns a motor vehicle to carry PIP coverage.  PIP covers the insured as well as omnibus insureds which could include family members, passengers, and pedestrians that don’t own cars regardless of fault.  PIP offers up to $10,000.00 in coverage for medical bills, lost wages, millage, and loss of house hold services.  PIP may be subject to up to a $1,000.00 deductible.

Uninsured and Underinsured Motorist Coverage pays for damages that you may legally be entitled to when an accident is not your fault for bodily injury when the at fault driver has no or inadequate insurance coverage.  When you’re in an accident that is no fault of your own, you have no control over how much insurance coverage the other driver has.  Uninsured and Underinsured Motorist Coverage also provides coverage for hit and run accidents.