Florida No Fault Auto Insurance Law – Florida is considered a “no-fault” auto insurance state. This does not mean that drivers cannot be held responsible for car accidents. Instead, it’s an auto insurance policy designed to help car accident victims get insurance money quickly to cover health and property damage.
State law requires all drivers to carry at least $10,000 in personal injury (PIP) auto insurance. If you are involved in an accident, you can file a claim with your own insurance company to help with your costs. The goal was to speed up payment to injured parties, avoid legal disputes to identify fault, and then work with the other insurance company to get paid.
Florida No Fault Auto Insurance Law
Just because Florida is a fault state does not mean that the victim cannot file a claim against the other party. Drivers who cause car accidents in Florida can still face criminal charges. PIP coverage only covers 80% of medical bills and 60% of lost wages or earnings and only kicks in after the deductible is met. In most cases, this is not enough to cover all the costs associated with a car accident and a car accident lawsuit may follow.
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Another exception is if permanent injury or death occurs. In this case, criminal proceedings can be initiated directly against the person who caused the accident, regardless of the fault coverage.
If you’ve been injured in a car accident, you may have a claim despite your state’s at-fault law. Contact the Beregovich Law Firm for advice and a legal review of your situation. You may be able to get extra money to pay medical bills, replace lost income, and repair or replace your car. If you live and drive in Florida, you’ve probably heard the term “defect free.” immediately But what exactly does “no fault” mean, and how does it affect you if you’re in a car accident? We’ll explain what Florida’s no-fault law means, how it affects your auto insurance, and what happens if you’re in a car accident.
Florida’s “no-fault” law means that in the event of a car accident, both parties go to the auto insurance company to file a claim, regardless of who is at fault. All Florida drivers must have personal injury insurance (PIP) on their auto insurance to cover this.
No-fault laws are expected to make handling car accident victims easier. However, there are some limitations. For example, PIP insurance limits medical expenses; You only pay up to a certain amount. If your injuries are severe enough to reach the statutory “damage limit” or exceed PIP coverage, you may choose to sue the other driver.
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Your PIP insurance covers medical treatment and lost wages. It can also cover costs incurred as a result of your accident, such as additional childcare costs if you are unable to care for your children due to your injuries. PIP insurance covers the same costs for passengers in the vehicle.
If you are a Florida driver and you are involved in a car accident, you can rest easy knowing that your medical expenses will be covered by your PIP insurance. Even so, you should keep detailed records of the crash. Florida is a “no-fault” state, but if your injuries are serious, permanent, or debilitating, you may still choose to file a claim. It is advisable to document the following just in case.
If you or a passenger is injured in a car accident, you can file an insurance or personal injury lawsuit. Thanks to Florida’s no-fault law and PIP coverage, you can get immediate medical care without waiting for insurance companies to determine who is responsible.
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Florida is a flawed state. But what exactly does this mean and how does it affect you if you are involved in a car accident? Florida law requires motor vehicle owners (car, motorcycle, bus or truck) to carry at least $10,000 in auto insurance. Personal Injury Protection (“PIP”). PIP, also known as “no-fault” insurance, compensates drivers in the event of an accident;
Who is to blame for causing the conflict. Florida’s PIP law bars a lawsuit against the at-fault party under certain circumstances. A car accident personal injury attorney can help you navigate the Florida PIP insurance process and help you decide if you will receive all the PIP benefits available to you and if you can take legal action after an accident.
This year in 2013, the Florida Legislature made significant changes to the Personal Injury Protection Act. These changes were made under the guise of preventing insurance fraud, but in reality it was a power grab by the powerful insurance lobby. These changes affect many uninsured groups in Florida, including some health care providers and especially impaired drivers. The changes in the law essentially allow insurance companies to collect the same or higher amounts while offering fewer benefits to policyholders.
It is important to note that personal injury protection is only available if you have been injured in a car accident.
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Your injuries will be treated within two weeks (14 days) of the accident. Otherwise, you may not be eligible for benefits under the program.
The 14-day limit leaves a very small window for injured drivers to receive treatment, and many drivers who hesitate to seek immediate help may be excluded from PIP compensation. This is why it is so important for car accident victims to contact the PIP attorneys at Gulisano Law immediately after the accident to protect their rights.
Under current PIP law, you cannot receive more than $2,500 in benefits unless you have an “emergency medical condition.” According to Florida law, a “medical emergency” is an illness that requires immediate medical attention and is expected to pose a serious threat to the patient’s health.
In the event of a serious injury, $2,500 may not cover medical expenses. Once your PIP benefits have been exhausted, the Florida car accident attorneys at Gulisano Law can help you seek additional compensation from the at-fault driver in a personal injury lawsuit.
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Generally, PIP insurance benefits are late if they are not paid within 30 days after the insured receives written notice of the covered loss and the amount of the loss. If the insured reasonably suspects that a fraudulent insurance act has occurred, the insurance company has an additional 60 days to investigate the claim. Your car accident attorney will make sure the insurance company pays all benefits on time.
While you are waiting for your case to be resolved, your doctor may request a letter of protection. A protection letter is a contract under which unpaid costs are paid from the settlement of the claim. A car accident attorney should review each protection letter before signing it.
You should have proof of your out-of-pocket expenses after any vehicle accident. For example, to reimburse the costs of a prescription, you must send the original receipt of the prescription to the insurance provider, as well as the prescription label attached to the outside of the prescription bag.
To receive compensation for lost wages, you must submit a “Certificate of Wages and Wages” that your employer fills out and then sends to the insurer. The wage and salary statement shows the total wages for the thirteen weeks preceding the accident.
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Your personal injury attorney can contact your employer directly to ensure that proof of wages and salaries are submitted to the insurance company in a timely manner. Remember, PIP only covers 60% of lost wages. The 40% of your wages not covered by PIP can be part of your claim against your insurer.
Receive payment for lost PIP
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