If you are driving a vehicle in Florida, you must have insurance coverage. As per the state authorities, every driver is required to have insurance. As per the Transportation Department, the Florida minimum car insurance is $ 10000 for each PIP and PDL. Coverage will prove advantageous in case of accidents and help cover the costs.
Why Do You Need PIP?
Personal Injury Protection, or PIP, is a must for several reasons. It should not be considered a legal requirement and aims to protect victims in case of personal injuries. It can help manage high medical costs and make things easier.
Having a PIP is a legal requirement in Florida and emerged due to the delay in funds received by drivers. The protection relieved the delays, and victims found it convenient to manage expenses. The benefits of PIP include the following –
- Drivers feel more assured that they will be able to cover the costs of medical treatments.
- The injured drivers receive the compensation quickly and do not have to wait for lengthy periods.
- Even if the driver is not at fault, the presence of a PIP can help cover the medical expenses.
Florida adopted the no-fault law in 1971 and was the second US state to do so. The no-fault and PIP streamlines the process of making a claim.
How to Obtain the PIP Coverage?
In such a situation where you have met with an auto accident, it becomes unsure how to proceed. However, an attorney can help with the process and improve your chances of making successful claims. However, a crucial thing to know is that medical treatment should be received within 14 days of the accident. If not, the insurance company can even reject your claim.
An auto accident attorney can even guide you with how to go about the claim after 14-day treatment. The insurance company must be contacted to proceed further with the claim. You must submit information like the accident’s cause or the medical treatment received. Having an attorney by your side can make things smooth and help you make better decisions.
Knowing About PDP
PDP, or Property Damage Liability Insurance, is another coverage type required by Florida law. It is meant to cover the costs of damage caused to others involved in the accident. The damage can be forced on another car, house, or property.
It can help cover repair costs for damage caused to another vehicle, destruction to another house or property, lost income, and other recurring expenses. One can get liability limits ranging from $ 5000 to $ 10000. However, one must know that with a higher coverage limit comes a higher premium price.
Since the coverage is meant for damage caused to others, it will never be you who files the claim. Also, the coverage amount dictates how much the insurance company will pay. If you need clarification about the PDP claim, a lawyer can help you understand.
Final Thoughts
If you or someone from the family has been injured in an auto accident, it is possible to make claims under PIP coverage. However, the complex legal proceedings and interaction with insurance companies can be exhausting. Hiring an auto accident lawyer can help manage the claims and provide appropriate advice on Florida minimum car insurance.
Contingency fees of personal injury lawyers in Florida range from 10 to 45%. Therefore, look for experienced and reliable legal advisors to receive the compensation you deserve. Having a lawyer can make a significant difference and result in favorable outcomes.
Please research and look for attorneys with ample experience handling personal injury cases. They will have proper knowledge of the laws and offer quality suggestions.