Florida motorists take on numerous responsibilities every time they get behind the wheel. One of those is carrying the statutory minimum amount of insurance coverage, or having the ability on their own to cover losses up to a certain dollar amount. Unfortunately, there are far too many motorists who fail to do either. Per the Florida Insurance Council, the Sunshine State has one of the highest rates of uninsured motorists anywhere in the country. If the driver who hit you was not insured, you may still have several options for financial recovery. It’s important to discuss these with an experienced Fort Lauderdale car accident attorney.
Florida Law Requires Vehicles Be Covered by Car Insurance
Before you registering a four-wheeled vehicle in Florida, you need to show proof of both personal injury protection (PIP) and property damage liability. PIP is going to cover 80 percent of what are considered “necessary and reasonable medical expenses” up to $10,000 – no matter who caused the crash. The property damage liability will cover damages to another person’s property if you or someone else cause a crash driving a vehicle insured by you.
You may notice that what is not required is bodily injury liability (unless you’re driving a taxi or commercial vehicle or if you’ve been convicted of a DUI). Bodily injury liability is the kind of coverage that will go to cover the expenses of others injured in a crash you cause. Continue reading