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Motor Vehicle Insurance Coverage

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.

Get started with a free initial consultation; call (954) 504-6577 or contact us online.

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.

Contact us online or call (954) 504-6577 to learn more during a free, confidential consultation.

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Read Our Clients 5-Star Reviews
  • They fought to get the right amount for me & my daughter & stayed on the other insurance company.

    “Very awesome experience definitely will recommend anyone to come to them. I dealt with Josh and his team and they were amazing he referred me to a wonderful chiropractor for me & my daughter and was ...”

    - Tanisha
  • Diligent, Communicative & Highly Committed

    “I cannot be more grateful for Zimmerman & Frachtman for helping me with my case. Now, I am on my way to recovery and would have had to pay a ridiculous fee out of pocket for surgery, if not for sticking with it and being patient with the outcome.”

    - Ryan C.
  • Open, Honest & Communicative

    “Always someone there able to handle my questions and concerns. I found them to be very reasonable and truly have my best interests at heart.”

    - Steve C.
  • Zimmerman & Frachtman, P.A. is a five star law firm!

    “Their representation is second to none and they are there for you during every step of the process.”

    - Jared R.
  • I was treated with care and respect after our accident

    “I really felt taken care of when my husband and I were unable to take care of ourselves.”

    - Susan V.

What Sets Us Apart? 

  • Aggressive, Experienced, and Compassionate Counsel
  • Client Centered Approach
  • Spanish-Speaking Services
  • We Are Always Accessible & Reachable To Our Clients
  • Work Directly With Your Attorney

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