Florida No Fault Insurance Jacksonville Fl – Originally designed to keep premiums low, Florida’s no-fault insurance law has undergone sweeping changes effective January 1, 2013. Unfortunately, personal injury attorneys and the Jacksonville law firm Harrell & Harrell warn their clients that the changes also severely limit their right to receive benefits they have paid.
Drivers of at least four-wheeled vehicles are required by law to purchase and carry auto insurance with Personal Injury Protection (PIP) coverage. This type of coverage allows the insured to be compensated for medical treatment of injuries sustained in a car accident by the insurance company itself, regardless of which party is at fault, hence the term “no-fault” insurance.
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However, changes to the statutes require victims to jump on the bandwagon to claim the promised benefits of their policies.
What No Fault Insurance Means For A Car Accident
For example, PIP medical coverage will now only pay if the insured receives care from a licensed and approved provider within 14 days of the accident. The new law also limits benefits to $10,000 for injuries considered a “medical emergency” and $2,500 for treatment of injuries that are not considered emergencies.
Critics say the new law further harms victims by giving fewer benefits and making it easier for insurance companies to deny legitimate claims while continuing to collect fees. If you or a loved one is injured in a car accident, see a doctor immediately. Then, contact the experienced Florida no-fault insurance attorneys at the Jacksonville personal injury law firm of Harrell & Harrell.
I would like to take a minute to talk about my experience with Harrell & Harrell. I was involved in a traffic accident that required surgery. I met with Harrell & Harrell and they put me at ease and helped guide me through the process of finding a doctor and dealing with an insurance company. They have always treated me with respect and total professionalism. I want to thank Rosanna Wilcox, Greg Schlax, and Holt Harrell for a job well done! I highly recommend Harrell & Harrell to anyone and will do so in the future. Florida uses the no-fault auto insurance system. After a minor car accident, you simply file a claim under your personal injury protection (PIP) to obtain medical and disability benefits for any injuries you suffered.
However, if you are involved in a serious accident, your PIP benefits may not cover all financial losses resulting from significant permanent injuries. In this case, Florida law exempts you from the no-fault limitation and allows you to file a claim against the at-fault driver.
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Florida requires that you have PIP coverage to register your vehicle. Most auto insurance policies purchased in Florida automatically include PIP coverage. If you are in an accident, PIP will pay 80% of your medical bills and 60% of your lost income up to $10,000.
The state of Florida also requires that you have at least $10,000 in Property Damage Liability (PDL). You must present your insurance card and PDL policy when registering your vehicle.
Florida law does not make bodily injury coverage (BIL) mandatory, but that type of coverage is still offered in the state.
In the event of an accident that results in injury or death, Florida law requires drivers to exchange insurance information. This information must include both drivers:
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You do not need to exchange insurance information at the scene of the accident. However, you will need this information to file a claim if your PIP benefits do not cover your losses or if you suffer serious or permanent injuries.
When it comes to obtaining another driver’s insurance information after an accident in Jacksonville, you have several options.
The easiest way to get information about other drivers’ insurance is to simply ask for it. Florida law may not require you to exchange policy information, but custom dictates that you do.
Emotions can run high after a car accident. If you are not comfortable sharing information with other parties involved in the collision, you can ask the police to document it for you.
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Under Florida law, the police must be called after any accident that causes injury or death. Responding officers will assist the driver in exchanging information at the scene.
Once the police have been called, the police will investigate the accident. As part of the investigation, the officer will collect information about each driver’s policy and record it in the official accident report.
If you are unable to obtain information from the other driver at the scene, you can view the accident report later. You can also purchase a copy of the report from the FLHSMV accident reporting portal or from the investigating agency ten days after the accident.
Sometimes, a party’s insurance information is not included in the accident report. For example, if the other driver was seriously injured or killed, the police may not have been able to record the details on your policy.
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In this situation, you can request information about other driver insurance from FLHSMV. Remember that your request must include a copy of the accident report.
Once you have the driver’s insurance information, you and your attorney can use it to file a personal injury claim. You generally don’t need an insurance number to do this, but you do need the name of the insurance company and the name and address of the driver, as well as the vehicle’s VIN, license plate, or registration number. Armed with this information, you can begin seeking compensation for your losses.
For more information, contact the Jacksonville and Ponte Vedra car accident law firm, Baggett Law Personal Injury Lawyer, at your location nearest you to schedule a free consultation with a car accident attorney today. When you are injured in an accident that was not your fault, you have the right to file a personal injury report against the party responsible. Unfortunately, not all Florida drivers follow the state’s insurance requirements and many drive without insurance. If you are involved in or injured in a car accident, it can have costly consequences. Depending on the severity of the injury, you could face thousands of dollars in medical bills. Apart from your daily tools, you may not be able to afford it. If the driver who caused the accident and your injury is driving without insurance, you probably can’t do it either, and you’re probably wondering how he or she will cover the costs of your injury and damage.
That’s where no-fault insurance comes into play. No-fault insurance was introduced in the 1970s, in an attempt to reduce delays and inefficiencies in the system. This allows accident victims to recover financial losses, such as medical expenses and lost income, from their own insurance companies. No-fault insurance is valid in 12 US states and Florida is one of them. While some states allow you to opt out of no-fault insurance and take legal action against uninsured drivers, Florida is not one of them.
What Happens When You Are At Fault For A Car Accident In Jacksonville?
Like no-fault insurance, the state of Florida requires injured drivers to file personal injury claims with their own insurance. Personal injury coverage, coverage required to obtain a valid vehicle registration in Florida, will cover the medical expenses and other financial losses of anyone covered by your policy, regardless of who caused the accident. At a minimum, vehicle owners must carry $10,000 in personal injury coverage and $10,000 in property liability coverage.
When you are involved in an accident, regardless of who is at fault, you can file a medical compensation claim with your personal insurance company and avoid having to take legal action against the other party. No-fault insurance in Florida has advantages and disadvantages.
Florida has some benefits to having malpractice insurance, including but not limited to:
There are several exceptions to no-fault insurance, all of which are classified so that if your injury qualifies as a “serious” injury, you will be able to file a claim against the at-fault driver. What qualifies as a serious injury in Florida includes the following:
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When an injury meets these requirements, only you have the right to make a claim outside of personal injury coverage. The classification of serious injuries varies depending on the situation.
To the extent that no-fault insurance is an option, it is not. It’s a state law. You cannot simply opt out of no-fault insurance in the state of Florida at any time.
At The Florida Law Group, we have more than 100 years of combined experience helping accident victims of all types understand their legal rights in the state of Florida and seek compensation when they are entitled to it. We have been recognized by some of the most prestigious legal organizations in the country, including National 100 Trial Lawyers, Best Lawyers in Tampa Bay, Bar Council of Regents, Florida Super Lawyers, Best Lawyers in America and more. We have also recovered $1 billion in compensation to our clients.
As one of the oldest and most reputable firms in the country, we have extensive knowledge of Florida personal injury laws, so we know how
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