Florida Motor Vehicle Insurance Coverage Lawyer
Florida follows a no-fault rule when it comes to auto insurance. Drivers have personal injury protection on their policies. This basically pays for any medical issues and treatments that are needed, following any kind of accident. Part of those payments included loss wages, medical benefits, and anything else that might need to be taken care of around the house.
Each driver is expected to have at least the minimum amount of coverage. If an individual would prefer to have more of the maximum benefits, that is their personal decision. Losses get paid out regardless of why was at fault. This comes in great contrast to the “at-fault” policies. The “at-fault policies are there for the drivers to make his or her own choice. They can take the other driver to court. They can go through the other driver’s insurance company. Either way, the driver who was at fault is responsible for the payments.
The Exception To The Rule
The only except is when the drivers steps out of the “no-fault” zone and plans to take the other driver to court. This can only happen if the other person has injuries which are more on a permanent level. It can also happen if the accident results in the loss of certain body parts and movements.
What Are The Auto Requirements Here In Florida
1) $10,000 in PIP (Personal Injury Protection)
2) $10,000 in PDL (Property Damage Liability)
TIP: All drivers must be legal in Florida. Anyone who is caught without any kind of coverage, even the minimum, will get their license suspended. If you do need to get your license reinstated, you will need to show proof of insurance.
What About Uninsured Motorist Protection?
You are not obligated to buy it at the time you buy your auto insurance policy. All the protection does is just give added PIP protection to those who don’t drive. If these people are passengers in your vehicle, the policy will protect them too. For the protection to count, you must add it in at the time you buy the policy. If you have any more questions about insurance claims, or retaining a lawyer for insurance litigation, contact Zimmerman & Frachtman today.
Aggressive, Experienced, and Compassionate Counsel
Client Centered Approach
We Are Always Accessible & Reachable To Our Clients
Work Directly With Your Attorney