If you’re involved in a car accident in Land O’ Lakes, FL, there are certain insurance laws that will affect your claim. These laws are designed to protect both you and the other party involved in the accident, but they can also be confusing and difficult to navigate. In this blog post, we’ll explain the basics of auto insurance laws and how an attorney can guide you through the claim process.
Minimum Insurance Requirements in Land O’ Lakes, FL
In the state of Florida, all drivers are required to have a minimum amount of auto insurance coverage. This coverage is designed to help pay for damages if you’re involved in an accident. The minimum coverage required by law is $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL). However, we recommend that you carry more than the minimum amount of coverage. This will give you more protection in the event of an accident.
The PIP portion of your insurance policy will cover your medical expenses, lost wages, and other costs associated with an auto accident. The PDL portion will cover damage to the other driver’s vehicle or property if you’re found at fault for the accident. If you don’t have enough insurance to cover the other driver’s damage, they may sue you to recoup their losses. That’s why it’s important to have adequate coverage. Conversely, you may be involved in an auto accident with an individual who isn’t carrying enough insurance to cover your damages. This is a case when an attorney can provide valuable help in advocating for you.
No-Fault Insurance Laws in Land O’ Lakes, FL
Florida is a no-fault state when it comes to auto accidents. This means that each driver’s insurance company will pay for their own damages, regardless of who is at fault for the accident. Under Florida’s no-fault law, drivers must purchase PIP insurance to cover their own damages. PIP pays for 80% of your medical expenses and 60% of your lost wages up to $10,000. It also covers things like funeral costs and necessary household services if you’re unable to perform them yourself due to an injury from the accident. You can elect to purchase additional PIP coverage above the $10,000 minimum if you wish.
One downside of Florida’s no-fault system is that it can be difficult to get compensation for pain and suffering damages. To do this, you must prove that your injuries fall under one of four categories: death, serious disfigurement or scarring, permanent loss of a bodily function, or permanent injury within a reasonable degree of medical probability. Proving one of these things can be difficult, which is why it’s important to have an experienced auto accident attorney on your side who can help you navigate the process and get the compensation you deserve.
If you’ve been involved in a car accident in Land O’Lakes, Florida, there are certain insurance laws that will affect your claim. These laws are designed to protect both you and the other party involved in the accident, but they can also be confusing and difficult to navigate. We’ve done what we can to explain the basics of Land O’Lakes auto insurance laws and how they might affect your claim in this short blog post. If you need help filing a claim or negotiating with insurance companies, contact our office today for a free consultation with one of our experienced auto accident attorneys.