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About Personal Injury Protection Insurance

Understanding Florida's No-Fault Insurance Law

When you have been injured in a car accident that was caused by the other driver, you have a right to pursue financial compensation by filing a personal injury claim against the driver's liability insurance policy. What happens, however, if you caused the accident? What about cases where nobody is found to be at fault? To ensure that motor vehicle accidents do not throw the victims into financial crises, lawmakers in Florida have made it mandatory for drivers to purchase and maintain a Personal Injury Protection (PIP) insurance policy.

Personal Injury Protection is also commonly referred to as No-Fault Insurance, since it makes it possible for you to claim benefits without the necessity of proving who was responsible for causing the accident. In fact, you can even file a claim if you were at fault for the collision. A PIP policy not only covers you, but also your children, members of your household and certain passengers riding in your vehicle who lack their own PIP coverage. Since PIP coverage is required for anyone who registers a motor vehicle in Florida, you should have this type of policy in effect.

How much does Personal Injury Protection pay?

The minimum amount of coverage which must be purchased in a Personal Injury Protection policy is $10,000. This amount can be used to pay for the costs of medical expenses incurred in relation to the accident, as well as for replacement of lost wages in the period while you recover from your injury. It is not, however, always enough to fully cover an accident victim's losses, so it is advisable to retain the services of a Fort Lauderdale personal injury attorney who can help you explore your legal options for collecting compensation from all available sources. Contact us now at Rosenberg & Rosenberg, P.A. for a free consultation!