Recovery in Florida, a "No-Fault" State
How Car Accident Victims Recover Compensation in Florida
As you may or may not already know, Florida is a "no-fault" state when it comes to car accidents. This essentially means that a driver's own insurance policy will cover his or her injuries and property damage, without fault playing a role. There are exceptions, however, when a person is seriously injured. Serious accidents allow victims to seek compensation from the party that caused the collision. This can prove invaluable for people suffering debilitating, life-changing injuries. Recovering such compensation under these circumstances will vary depending on the case, and this makes working with a skilled Tampa car accident lawyer essential.
At Givens Givens Sparks, our legal team understands the nuances of Florida legislation as it applies to motor vehicle accident insurance claims and lawsuits. Armed with this knowledge, we can help the injured pursue maximum financial compensation from those responsible for their injuries. Though Florida implements a no-fault system when it comes to traffic collisions, we know which exceptions apply and how to help our clients recover the money they need to begin rebuilding their lives.
Florida Auto Insurance Information and Requirements
To legally drive a motor vehicle in Florida, you must have insurance. The mandatory minimum required by law is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). PIP insurance, also called no-fault insurance, covers you if you are injured in your own car or as a passenger in another vehicle. It also covers any children you may have and other members of your household, as long as they do not own their own cars. PIP coverage also protects you as a pedestrian or bicyclist if you are injured in a traffic accident. PDL insurance covers damage you or members of your household cause and are liable for in motor vehicle accidents.
Drivers may also purchase bodily injury liability (BIL) insurance, though this is not required. This type of insurance pays for serious / permanent injury or death resulting from an accident that the policyholder has caused and is liable for. BIL insurance can protect a driver in the event that he or she is sued by an accident victim, as it will cover the payment of monetary damages to the victim, up to the policy limits.
$10,000 is not a lot when it comes to serious car accident injuries, and if an at-fault driver does not have BIL coverage, this can place a victim in a difficult position when it comes to recovering fair compensation for his or her injuries. Fortunately, our attorneys know how to approach these cases in such a manner as to pursue compensation from any and all possible sources. We can advise you of whether you are limited to PIP coverage or if your serious injuries allow you to seek compensation by way of a personal injury lawsuit.
Call a Tampa Car Accident Lawyer Today
Recovering a fair settlement or award does not have to be difficult. With experienced legal counsel from a Tampa car accident lawyer from the beginning of your case, you can get the money you need to rebuild. Florida may implement a no-fault system for auto accident claims, but we know when exceptions apply and can look to other sources of compensation as needed to protect our clients' interests.
Contact our offices today for a free case review with a knowledgeable professional. You pay nothing unless we win!
The process of filing a claim or lawsuit can be complex, and insurance companies often deny certain types of valid claims or offer a low settlement in the hopes that you will accept it. Fortunately, our firm never relents until you receive a fair settlement or verdict. How do you know what amount is fair?
That is where our team of lawyers can help. There are many types of damages that are possible in any injury case, and evaluating your case before moving forward is a key factor in the amount of the settlement you will receive. We are well versed in all aspects of personal injury law and know how to present your case in a way that brings about the optimum results.