Florida No-Fault Insurance Explained
Personal injury protection (PIP) is mandatory coverage on an auto policy in Florida.
This coverage pays 80 percent of "reasonable and necessary" medical costs and 60 percent of lost wages to the driver and passengers of an insured vehicle, regardless of who is at fault. Each vehicle's occupants must submit their medical claims to the respective insurance companies.
Medical payments (MP) is an optional coverage available in Florida auto insurance policies which pays the additional 20 percent of the medical costs not covered under PIP.
In the absence of this coverage, the non-covered costs would be submitted to the responsible party's insurance company for reimbursement under his or her bodily injury liability coverage, if such coverage is present.
Property Damage Liability
Property damage liability (PDL) is also mandatory for Florida drivers.
Unlike PIP, this coverage only pays when an insured driver is legally liable for damage to the property of another person resulting from a covered auto accident.
If you are the responsible driver, damage to your own vehicle is covered by your collision coverage or not at all.
Minimum Liability Limits
Florida drivers are required to carry a minimum policy limit of $10,000 PIP and $10,000 PDL.
Higher limits and additional coverage are available for additional premiums.
Each bill that you submit to the insurance company reduces the total benefit available so buy limits which are adequate for your family's needs.
After you have healed as much as you can from your injuries, then we are ready to demand a settlement from the driver who was at fault and his or her insurance company.
You need a car accident attorney like Mr. Marraffino to help you. Insurance companies are not on your side.