Handling the consequences of a St. Petersburg car accident can be overwhelming, particularly in trying to figure out Florida’s no-fault insurance law. Florida operates on a no-fault basis, and as a result, whoever caused the accident or not, your insurance provider is to cover some costs. This approach aims to deliver fast monetary assistance to the victims of an accident without requiring extended court procedures to determine fault.
How No-Fault in Florida Works?
According to the law in Florida, every motorist is required to have Personal Injury Protection (PIP) coverage. PIP will pay for:
- Medical Charges: PIP will cover up to 80% of required medical costs stemming from the crash, depending on the coverage limit.
- Loss of Wages: If an injury keeps you off the job, PIP may reimburse you for some portion of your missed earnings.
- Other Expenses Connected to Injury: PIP could also reimburse specific expenses such as travel for doctor visits and physical therapy bills.
Although the no-fault system guarantees speedy payment to the victim of accidents, it also has its flaws. PIP could not provide coverage for grave injuries or immense losses. Depending on the circumstance, you are allowed to look outside the no-fault system to claim compensation on top of what you have with your PIP benefits.
If your injuries qualify under Florida’s “serious injury” standard, you can pursue a claim against the other driver’s insurance for damages that exceed PIP coverage. These include:
- Permanent injuries
- Substantial scarring or disfigurement
- Substantial and permanent impairment of bodily function
- Death (survivor wrongful death claims by family members)
Filing a third-party claim can assist you in recovering more compensation for medical bills, lost income, pain and suffering, and emotional distress.
Summing Up!
Here at Jenkins Law PL, we recognize the frustration of Florida’s no-fault laws. Our knowledgeable legal team is here to assist you through your car accident claim and help you receive the payment you deserve. Whether you require help with filing a PIP claim, negotiating with insurance firms, or learning whether you qualify to go outside the no-fault system, we are prepared to fight for you.
This post was written by Kelly-Ann Jenkins of https://www.jenkinslawpl.com/. Kelly-Ann is an insurance claim Lawyer. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your situation.
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