Florida requires all motorists to provide proof of financial responsibility when driving in the state. Drivers must carry both Personal Injury Protection (PIP) and Property Damage Liability (PDL). Failure to carry the minimum amount of insurance can result in the suspension of your driving privileges and other consequences.
Since Florida is a no-fault state, many times, injured parties will file a claim through their own insurance company regardless of who was to blame for the accident. However, if someone is seriously injured, they may be able to file a lawsuit or insurance claim against a liable party. To understand your rights after an accident, it is important to speak to an attorney.
Chapter 324 of the Florida Statutes defines the financial responsibility requirements in the state. As explained in the statutes, motorists in the state must carry Personal Injury Protection (PIP) in the amount of $10,000 and $10,000 in Property Damage Liability (PDL).
As explained by the Florida Highway Safety and Motor Vehicles (FLHSMV), Personal Injury Protection (PIP) insurance covers up to 80% of all “necessary and reasonable medical expenses,” regardless of who was at fault for the accident. It also provides for up to 60% of your lost wages and $5,000 in death benefits. Therefore, even if you caused the accident, you are able to file a claim with your own insurance policy to obtain compensation.
Personal injury protection could provide coverage for:
In order to determine whether you should file a claim through your PIP coverage or a lawsuit against a liable party, you need to consult with an attorney. A lawyer can help you decide the best course of action after an accident.
Property damage liability (PDL) provides coverage if you cause damage to another person’s property. Florida requires that you carry a minimum of $10,000 in PDL. Things that may be covered under PDL include but are not limited to another person’s vehicle, home, fence, or other property.
While Florida mandates PIP and PDL coverage, there are also several other types of insurance coverage that you may want to consider.
Other insurance options to consider:
State law mandates that insurers must offer UM/UIM coverage and that a motorist may reject the coverage.
At Mase Seitz Briggs, we represent individuals who have been seriously injured in car accidents in Miami and throughout South Florida. To learn more about insurance requirements in Florida or to speak to an attorney about your personal injury case, contact our office at (844) 627-3529. All case consultations are free and without obligation to retain our firm.
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