When it comes to personal injury in the state of Florida, there are several requirements for car insurance that could have a hand in determining your case’s outcome. These laws include PIP (personal injury protection), property damage liability (PDL) and bodily injury protection (BIP).
Below, we’ll take a look at each of these requirements and how they could affect your personal injury case.
PIP (Personal Injury Protection)
In the state of Florida, PIP car insurance is designed to protect either yourself or another driver should personal injury result from a car accident. Florida law requires that each driver possess at least $10,000 of PIP insurance coverage to legally operate a vehicle on the road. Because Florida is a no-fault state, your insurance company is legally obligated pay your PIP benefits regardless of who was at fault in the accident.
Unfortunately, due to an increase in PIP insurance fraud in Florida, the limit for this coverage has reached $2,500 instead of $10,000 (unless you’re diagnosed with an emergency medical condition). To reap your benefits, you must also report your injuries within 14 days, be treated in an emergency setting and attend medical follow-up appointments.
PDL (Property Damage Liability)
In addition to PIP insurance, the state of Florida also requires $10,000 worth of property damage liability. This coverage will pay for any property damage caused by you in a crash. This property damage must be to another’s person’s property; PDL does not cover any damage to the driver’s vehicle.
BIP (Bodily Injury Protection)
Although bodily injury protection is not required by all Florida drivers, those who have had previous violations or accidents may be required to carry BIP coverage. This type of coverage helps pay for the serious injury or even wrongful death of another driver in an accident you have caused. For this type of coverage, insurance companies will pay $10,000 per injured person, but the total will not exceed $20,000.
If you or someone you love has been injured in a Florida car accident, the attorneys at Lorenzo & Lorenzo can help. We understand the ins and outs of Florida personal injury law, and we can help you receive the compensation you deserve for your injuries. Contact us today for a free consultation.