Medical injuries are common in almost every car accident. Unfortunately, often times these injuries may not show up for weeks or even months.
 
  Understanding the legal options and insurance requirements of the State of Florida will help you navigate through the aftermath of a car accident.
 
  When you're involved in a car accident, there is one service you are all but guaranteed to require-automotive repair. There are numerous aspects which you need to be aware of to ensure yourprotection.
 
   
 
 
 
Understanding the legal options and insurance requirements of the State of Florida will help you navigate through the aftermath of a car accident. As a result of numerous insurance claims due to hurricane damage, Florida has created strict laws governing insurance. Thorough research will help you to understand what these unique laws are and how they pertain to you.
  Florida, which is a partial no-fault* state, requires the following in terms of minimum insurance requirements:

1. All drivers must carry a minimum of $10,000 in personal injury protection. This covers the driver as well as any passengers involved in the accident and is applied to any medical expenses incurred.

2. All drivers must carry a minimum of $10,000 in liability coverage for property in any single accident.

*The no-fault policy means that each party in an accident is responsible for his/her own damages regardless of who caused the accident.

In Florida, this no-fault policy is mitigated by the above-mentioned coverage. This differs from other states in that even if you are not at fault, you may still be responsible for paying for your own damages. For this reason, the penalties for being caught without the minimum required insurance coverage escalates with each offense- possibly resulting in having your driver's license suspended or even jail time.

The State of Florida is unique in that many of its residents are "part-time" residents. Many people choose to live in Florida during the winter months and return to their Northern homes in the spring. Florida law mandates that anyone who live in Florida and uses a vehicle in excess of 90 days during any single year must carry the aforementioned minimum personal injury and property damage coverage.

Understanding Florida's laws governing car accidents will ensure that you are well protected. Use this information when shopping for car insurance to ensure that you are properly covered to protect your assets.

Our referral service can place you in contact with a legal professional shortly after completing the contact us form on the right.
 
 
   
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