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Under Florida law, the of a motor vehicle / automobile is required to carry two forms of insurance: Personal Injury Protection (PIP) and Property Damage Insurance. In Florida, there is state mandated automobile insurance coverage that is required. All coverages beyond these minimal requirements are optional and require additional premium payments in the State of Florida to automobile insurance companies. If a person is hit by a vehicle that only has minimal automobile insurance coverage, the only benefit that the person would receive (insurance wise) from the insurance company for the at fault driver or at fault owner would typically be property damage. In other words, the insurance company would pay for the repairs to the victim’s motor vehicle / automobile or the total loss of the vehicle and that would be about it . . . . While it does not seem fair, Florida has very basic minimal insurance benefits for vehicle owners. A legal case could still be pursued for other damages but there would be no insurance coverage for other types of damages like medical bills, pain, and suffering under a minimal policy for the injury victim.
Bodily injury insurance coverage will pay for pain, suffering, lost wages, medical bills and other related damages related to personal injuries if the driver the vehicle with the owner the vehicle was at fault for the accident. The amount of bodily injury insurance coverage varies by company and vehicle. Typically, the higher the premium – the more coverage that will be in place for a Florida Automobile Accident. Bodily injury insurance coverages can be in the amount of $10,000, $15,000, $20,000, $25,000, $50,000, $100,000 and all the up to $1,000,000 or more.
Florida laws, insurance policies, and claims can be complicated. It is important to contact a Florida Personal Injury Attorney for advice, consultation, and legal representation. The right to compensation is dependent on the facts and circumstances of the case including the amount of medical bills, the diagnostic testing results, the records of the treating physicians, and the need for future care including but not limited to surgery and pain management. Even when a person has extensive medical treatment including pain management therapy and or surgery, the insurance company will still question the relationship of the injuries to the automobile accident. Insurance companies have regular doctors that they hire to review records and use as a basis to deny claims or limit the payments or offers on injury claims. Because of the adversary nature of insurance claims and the unwillingness of insurance companies pay fair value in the case then injured injury victims should retain the services of a Florida Personal Injury Attorney.