What You Need to Know About Car Accidents in Florida
-
No-Fault Law: In Florida, all vehicle owners must have Personal Injury Protection (PIP) insurance of at least $10,000 to cover medical costs and lost wages. Property Damage Liability (PDL) coverage of at least $10,000 is required.
-
Coverage Regardless of Fault: PIP and PDL insurance covers motorists regardless of who caused the accident, but only protects the policy owner, not the other party involved.
-
Immediate Actions After an Accident:
-
Dial 911: Report the accident and injuries to get timely help.
-
Call the Police: File an accident report, especially for hit-and-runs or significant damage.
-
Document Details: Note accident specifics like location, direction, and observed behaviors.
-
Gather Evidence: Take photos, videos, and witness accounts to support your case.
-
Contact Your Insurance: Inform your insurance company promptly to initiate the claims process.
-
Car Insurance in Florida
Understanding the Differences Between BI and PIP Insurance
Coverage Scope:
-
PIP: Covers injuries to you and others involved in the accident.
-
BI: Protects against lawsuits made against you if you are responsible for an accident, but does not compensate for your injuries.
Financial Protection:
-
BI: Protects personal assets and covers various expenses beyond medical costs.
-
PIP: Covers only medical costs, lost earnings, or funeral expenses up to $10,000.
Extension of Coverage:
-
BI: Can extend to cover family members and authorized drivers.
-
PIP: Coverage is limited to the policyholder and those involved in the accident.
Legal Representation:
-
BI: Includes legal representation if sued due to an accident.
-
PIP: Does not provide legal representation.
