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In Florida, automobile accidents happen every day. oftentimes the passenger is injury no fault of his or her own. Passengers have rights to compensation from various persons, businesses, and insurance companies for injuries suffered in a Florida Automobile Accident. The applicable Florida laws and insurance regulations can be quite confusing and complicated. It is important for the injured automobile passenger to seek legal advice from a Florida personal injury attorney to get information is to legal rights to compensation to medical bills, pain, suffering, lost wages, and loss of enjoyment of life. An injured passenger in a Florida automobile accident can obtain her compensation from the following sources:
PIP (Personal Injury Protection) Under the Injured Passenger’s Insurance Policy. Even though the injured passenger was not at fault for the accident, Florida’s No Fault laws require the passenger to process or file the medical bills related to the automobile accident under the passenger’s PIP policy. While this may seem unfair, this is the way that the insurance laws and regulations work in the State of Florida.
PIP (Personal Injury Protection) Under a Resident’s Relative’s Insurance Policy. If the passenger did not owner a vehicle or otherwise did not have PIP coverage, the injured passenger may qualify for coverage under a resident relative’s PIP policy. Even though the resident relative may not have been at fault, the PIP benefits may still apply to the injured resident relative. PIP typically pays for 80 % of the medicals bills and 60 % of wage loss associated with an automobile accident.
Bodily Injury Coverage for At Fault Driver or At Fault Owner. A passenger may quality for compensation under bodily injury coverage for the at fault driver or at fault owner. Unlike PIP coverage, bodily injury coverage typically involves a one time settlement or payment from the policy rather than piece meal or periodic payments that are associated with PIP coverage for medical bills or lost wages. Unlike PIP, bodily injury coverage can also be pursued for damages related to pain, suffering, and loss of enjoyment of life.
Uninsured or Underinsured Insurance Under the Injured Passenger’s Insurance Policy. The injured passenger may also qualify for coverage under his or her own UM policy. Like bodily injury coverage, UM coverage can be pursued for economic damages (medical bills and lost wages) and non-economic damages (pain, suffering, and loss of enjoyment of life).
Uninsured or Underinsured Insurance Under the Vehicle Occupied by the Passenger.
The injured passenger may also qualify or pursue damages for injuries through the UM policy of the vehicle occupied by the passenger.
As you can see above, claims, cases, and insurance issues can be quite confusing and complex in a Florida Automobile Accident case for the injured passenger. The attorneys at Wood, Atter & Wolf, P.A. have been representing injured passengers since 1957. For over 50 years, the attorneys at Wood, Atter & Wolf, P.A. have been on Your Side – At Your Side in cases involving automobile accidents, trucking accidents, bicycle accidents, and pedestrian accidents.