The only two forms of insurance required are personal injury protection (PIP), which pays your own medical bills after an accident, and property damage liability, which covers damage you cause to other people's property. Personal Injury Protection (PIP) covers you regardless of whether you are at fault in an accident, up to the limits of your policy. While the state of Florida does not require you to have personal injury liability (BIL) insurance, many experts find it wise to add this coverage. This protects you if you are in a car accident in which people are injured or killed due to their negligence.
In Florida, there are two motor vehicle insurance laws. They are the Financial Responsibility Act and the No-Fault Act. It's important that you understand these laws because if you don't have adequate insurance, you may lose your driver's license and license plate (s) and have to pay large fees to get them back. Your PIP coverage will also cover other people who drive your vehicle with your permit and passengers without insurance in your vehicle.
In general, no-fault coverage protects and pays for the insured's expenses in any accident; once no-fault coverage is exhausted, the insured can resort to medical payment coverage; once medical payment coverage is exhausted and, if not at fault, the insured can resort to the other's liability insurance part; and finally, if the opposing party's limits are exhausted or do not exist, the coverage of uninsured motorists may, within its limits, cover the rest. This insurance is often called “no-fault coverage” because it covers and pays for accident claims, regardless of who is at fault. It's important to note that Florida's no-fault system does not apply to claims for vehicle damage following a car accident. If the accident occurs in a state other than Florida, your PIP will only cover your injuries if you are driving your insured vehicle at the time of the accident.
If you maintain the insurance company, they can change your coverage to your current state of residence when you make the change of registration. Even if you have insurance coverage, you may want to contact a personal injury lawyer if you have been injured. Once you have this insurance, every time you renew it, do not renew it, cancel it or the insurance company cancels it, the insurance company must notify this department. So, the answer is that you will receive some “no-fault” benefits after your car accident in Florida, but you will have to file other insurance claims against the at-fault driver to recover all your damages.
Bodily Injury Liability (BIL) coverage is available to any driver who wants to add it to their policy in Florida. To avoid insurance suspension of your license and avoid reinstatement charges, give your license plate to a Florida driver's license office or tax collectors office before canceling your insurance. Please note that, if you are found responsible for causing a car accident that allows an injured person to leave the situation without fault and sues you, without BIL coverage, you will be personally liable for that person's losses. After notifying your insurer of your PIP claim, doctors will send your bills directly to your insurance company.
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. So, those are the issues that the legislature thinks about when it debates Florida's no-fault law, which is what often happens. If you have any additional questions about what Florida's No Fault law is and how it affects your car accident claim, please don't hesitate to contact us. .
