Your Insurance Questions
Answered
Florida roads are used by more than 14 million licensed drivers, so it’s no wonder there are countless fender benders and more serious accidents happening frequently in the Sunshine State. It also makes sense that the state of Florida requires all drivers to have a minimal amount of car insurance. How much insurance do you need? Do you need additional coverage? What about driving without a license or getting into a car accident with someone who does not live in Florida? Here are answers to some of the most popular questions we get about car insurance and driving in our beautiful state.
Florida, if you cause an accident, your insurance company will need to pay for the repairs to the other person’s vehicle and any other damage you caused. The no-fault statute refers to personal injury claims that are a direct result of an auto accident. The term “no-fault” simply means that you purchase auto insurance to protect yourself and your resident relatives in case of an auto accident. In other words, after an accident, you will always look to your auto insurance company for personal injury protection benefits like lost wages, medical bills, prescriptions, etc. rather than look at the other person’s insurance policy. At first blush, this may sound odd, especially if the other person caused the accident. But it actually makes sense.
The policy surrounding the Florida no-fault statute is that we want everyone to have access to no-fault benefits in case of an accident. There should be no discrimination between rich and poor. So, if you own a car, you must carry no-fault benefits on your policy of auto insurance for yourself and your resident relatives. This way, if you (or they) are in your car and an accident occurs, you (and they) are covered. If you (or they) are in another person’s car and an accident happens, you (and they) are covered under your policy. Problems can arise when someone is driving without insurance or is simply not covered under an insurance policy and they are hurt.
THE BARE MINIMUM
The state of Florida requires all licensed drivers to have the following minimum coverage:
• Property damage coverage: $10,000
• Personal injury protection benefits: $10,000
YOU WILL HEAR THAT FLORIDA IS A NO-FAULT STATE, BUT WHAT DOES THAT REALLY MEAN? Before we get to the meaning of the no- fault statute, I need to tell you that property damage claims are fault-based. So, in
CONTINUED ON PAGE 3 ...
OUR CLIENTS SAY IT BEST “Wow! Mr. Dellutri is one of the most passionate lawyers I have ever met! Sitting with him for a consultation assured me that he had my best interests at heart. I would definitely recommend him. And his front reception staff were amazing, so inviting and friendly. Their follow up was stellar!”
–A.K.
What's the GoodNews?
“Take delight in the Lord, and He will give you the desires of your heart.” –Psalm 37:4
2 | 888-970-9885 Get a FREE case evaluation!
Made with FlippingBook Learn more on our blog