The “no-fault” law in Florida means that, in the event of a car accident, both parties turn to their auto insurance policies to make claims, regardless of who was at fault. To cover this, all Florida drivers must have Personal Injury Protection (PIP) insurance included in their car insurance policy. Florida is a no-fault state, meaning that every driver has their own insurance to cover medical bills and car repairs up to a certain amount. If you are a driver in Florida, your car insurance policy must include personal injury protection liability insurance.
When fraud persisted with the help of lawyers, doctors and auto glass contractors, Florida became one of the least affordable states for auto insurance. When this occurs, victims of the so-called “car accident” are channeled through chiropractors who are involved in the scam and who file fraudulent injury claims to insurance companies. The other aspect is that the law restricts the right of an injured person to sue the person who was at fault in some way, usually with a monetary threshold or only for certain types of injuries. There are several situations where there may be different parts that have the responsibility to help you in repairing your car.
For example, there have been cases where courts applied PIP coverage even when the injury was due to the intentional actions of someone who threw a rock at the car. No-fault insurance ensures that every driver's car insurance pays in the event of a car accident, regardless of the driver responsible. While the no-fault insurance system reduces the number of personal injury claims, it's not perfect. However, evidence such as the accident report, traffic camera surveillance, photographs of the car accident scene, witness accounts and their medical records, among other forms of documentation, can help us determine who is responsible.
In addition, if your PIP provider denies you coverage or your costs exceed your policy limits, you may want to examine your case with a car accident lawyer to determine your best course of legal action. Uninsured motorist coverage exists to pay the insured if their policy limits are exhausted and the at-fault driver is uninsured or underinsured; it serves as a precautionary measure to ensure that the driver is insured and covered if the other party is not. Each state can choose whether it wants to be a “fault” or “no-fault” state when it comes to car insurance and the law can greatly affect a resident's ability to receive payment for their medical bills and lost wages after a car accident. If your policy isn't large enough to cover your damages, you'll also need to file a claim with your own insurance company for uninsured motorist (UM) coverage.
Insurance companies are motivated by profit and will seek every tactical advantage to mitigate or completely avoid financial liability. It's critical that you talk to your insurance company quickly, as delays can cause them to reject your claim.