Florida Laws

A. Because Florida is a no-fault state, it has different requirements for insurance coverage.

Mandatory Coverages:

1. Personal Injury Protection (PIP)

The Florida Motor Vehicle No-Fault law requires all vehicle owners and drivers to maintain personal injury protection (PIP) coverage at all times. Personal injury protection policy pays up to $10,000 without regardless who is at fault for the accident.

The amount paid is 80% of all reasonable expenses for medically necessary medical services; 60% of disability benefits for any loss of wages; 100% of replacement services (e.g., child care, housekeeping, and yard work); and a $5,000 per individual death benefit.

If you are covered by PIP insurance, other parties involved in the accident may not bring a law-suit against you except in cases of:

(1) Significant and permanent loss of an important bodily function;
(2) Permanent injury within a reasonable degree of medical probability, other
than scarring or disfigurement;
(3) Significant and permanent scarring or disfigurement; or
(4) Death

However, a party may sue for economic damage not covered by PIP, such as the 20% of medical bills not covered by PIP and amounts that exceed the $10,000 limit.

2. Property Damage Liability (PD)

Current law also requires vehicle owners to obtain $10,000 in property damage (PD) liability coverage which pays for the other people's damaged property.

Optional Coverages

1. Bodily Injury Liability Coverage (BI)
This coverage provides protection for motorists involved in vehicular accidents who are at fault and cause bodily injury to third parties. Bodily injury (BI) coverage pays the medical bills and lost wages of third parties up to the policy limits and provides legal representation and payment of attorneys’ fees to the insured, if sued.

2. Uninsured Motorist Coverage (UM)
Uninsured motorist (UM coverage) provides coverage for bodily injury if the party who caused the accident was uninsured or underinsured. UM coverage pays for medical expenses and lost wages, after PIP coverage is exhausted, and includes payment for pain and suffering.

B. The statute of limitations is the period for which you are eligible to file the insurance claim. If it expires, you lose the benefits that you deserve to obtain from the party responsible for causing the car accident. You can file a personal injury claim within 4 years of the car accident, and a property damage claim within 4 years.

If you have lost a loved one due to someone else's negligence, you may face significant financial hardship in addition to emotional pain and suffering. Filing a wrongful death lawsuit can ensure that you and your family have the financial resources you need to make it through this difficult time and have a stable future. Let IIHC get you the help you need to receive compensation. At no cost to you, we will refer you to an experienced Florida attorney who will be there to represent you and act on your behalf.

IIHC will refer you to a lawyer who will help you get your insurance claim money in a timely manner throughout Florida cities and counties, including: Orlando, Winter Park, Maitland, Kissimmee, Casselberry, Altamonte Springs, Longwood, Lake Mary, Heathrow, Sanford, Winter Springs, Winter Garden, Clermont, Clearwater, Tampa, Lakeland, Cocoa Beach, Melbourne. As well as Orange, Seminole, Osceola, Lake, Volusia, Brevard, Polk, Hillsborough, Pinellas, Sumter, and Marion Counties.

Florida

Florida Laws

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