Car Insurance Claims
Florida, like many states, requires drivers to carry certain minimum types and amounts of auto insurance. Drivers can purchase additional types of insurance and amounts above the minimum limits if they choose in order to provide additional protection in a wider variety of collisions. At Farah & Farah, our Jacksonville injury lawyer have handled various claims involving traffic accidents and insurance is a factor when pursuing these claims. It is not only important for Florida residents to understand the state’s insurance laws, but also what the different types of coverage entail after a crash.
Florida Auto Insurance Requirements
Florida requires the following types and amounts of auto insurance in order to legally register and drive a vehicle in the state:
Also called “Florida No-Fault Insurance,” this coverage pays for medical bills after an accident for the driver, the driver’s children, members of the same household, and certain passengers. The coverage is called “no-fault” because it is available regardless of who caused the crash. Florida requires drivers to carry a minimum of $10,000 in PIP coverage.
Property Damage Liability (PDL)
Property damage liability insurance pays for damages caused when a vehicle accident damages another person’s property. It pays for things like vehicle repairs, the cost of replacing a damaged fence or mailbox after a collision, and other property-related losses. Florida requires drivers to carry a minimum of $10,000 in PDL coverage.
Additional Types of Auto Insurance Coverage
Although Florida does not require the following types of auto insurance coverage, they can be valuable for drivers who want additional protection, as well as protection in a wider range of accident types.
Common types of auto insurance that are often purchased by Florida residents in addition to the required coverage include:
Bodily Injury Liability (BIL)
BIL coverage pays for the costs of a serious and permanent injury or death that results from an accident involving your car. The insurance company will typically pay up to the limits of the policy and pay the cost of legal counsel if you are sued as a result of an accident – even if you were driving someone else’s car at the time. It may also cover other drivers who use your vehicle, as long as they have your permission to drive it.
Comprehensive coverage pays for repairs to your vehicle in accidents that don’t involve another driver, such as damage caused by weather or run-ins with animals. Comprehensive coverage often comes with a deductible, which you must pay before coverage kicks in.
Collision coverage pays for repairs to your vehicle in an accident with another vehicle or in certain other types of crashes. Like comprehensive coverage, collision coverage often comes with a deductible. Many auto loan companies require collision coverage until the loan on the vehicle is paid off.
This coverage pays if you are in an accident with a driver who is uninsured, underinsured, or who cannot be identified, such as in a hit and run accident. It may cover you even if you were not in a vehicle at the time, as long as the collision involved a vehicle – for instance, if you were hit by a car while walking through a crosswalk.
Dealing With Your Auto Insurer after an Accident in Florida
After an accident, you may have injuries to heal from and vehicle or other property damage to address. You may turn to your insurance policy for coverage, only to find yourself in a battle with the insurer over whether your crash is covered and for how much. An experienced car accident attorney in Jacksonville can help you ensure you get the full amount of coverage to which you are entitled. To learn more about your legal rights and options, call Jacksonville personal injury law firm Farah & Farah for a no-cost consultation at 855-797-9899.
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