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How Does Car Insurance Work in Florida?

Florida is a no-fault car insurance state. Therefore, car insurance claims work differently in Florida than in at-fault states. Most car insurance claims are handled by the insured’s Personal Injury Protection (PIP) insurance provider instead of the other driver’s liability insurance company.

The Miami car accident lawyers of Shaked Law Personal Injury Lawyers have more than 100 years of legal experience handling all types of car accident claims. Since 2007, our Miami, Florida personal injury law firm, has recovered millions of dollars in jury verdicts and settlements for our clients. Because of our experience, our legal team can navigate the most complicated car insurance claims to protect your best interests. 

Contact our law firm at (305) 937-0191 to schedule a free consultation with an experienced Miami personal injury attorney. Let us help you get the money you deserve after a car accident. 

How Shaked Law Personal Injury Lawyers Can Help You With a Car Insurance Claim in Miami, Florida

How Shaked Law Personal Injury Lawyers Can Help You With a Car Insurance Claim in Miami, Florida

Even though Miami, FL has no-fault car insurance, you still may be able to sue the at-fault driver for damages. Our award-winning car accident lawyers at Shaked Law Personal Injury Lawyers investigate each case to determine all causes of action. If you have a claim against another party, we will identify and pursue it. 

When you hire our legal team to handle your case, you can expect us to:

  • Investigate the cause of the car accident and gather evidence proving fault
  • Work with expert witnesses and accident reconstructionists, as necessary, to strengthen your case
  • Review and verify insurance cover to file insurance claims
  • Fight claims of contributory fault and failure to mitigate damages by the other party
  • Work with your physicians to document the extent of your injuries
  • Document damages and calculate how much your claim is worth 
  • Keep you updated on the progress of your case and all settlement offers
  • File a personal injury lawsuit and fight your case in court, if the other party refuses to agree to a fair settlement amount

We are here to help you when you need trusted legal advice and help with a car insurance claim. Contact our law office to schedule a free case evaluation with an experienced Miami car accident lawyer.

Florida’s Requirement for Personal Injury Protection Insurance 

Florida insurance laws require all motor vehicle owners to purchase a minimum amount of no-fault car insurance. Personal Injury Protection or PIP coverage pays damages to the covered parties regardless of who caused a car crash. Typically, your PIP car insurance policy covers the following:

  • You, as the driver or passenger, whether you are in your car or another person’s car
  • Your children and other members of your household
  • Passengers in your vehicle who do not own a vehicle and have PIP coverage
  • Bicyclists and pedestrians you hit with your vehicle 

No-fault insurance is designed to make car insurance claims quicker and easier because you do not need to prove fault to recover benefits. After a car accident, you file a claim with your insurance provider. However, you must see a doctor within 14 days after a car crash to receive PIP benefits.

Problems With No-Fault Car Insurance Coverage in Florida 

The amount of PIP coverage required in Florida is $10,000. Unfortunately, $10,000 does not always cover all expenses after a car accident. 

Furthermore, PIP insurance only pays up to 80% of your medical bills and 60% of your lost wages. It does not pay anything for pain and suffering damages. Therefore, PIP insurance does not compensate you fully for all losses caused by a car accident. 

Furthermore, the amount you receive for a no-fault insurance claim could be limited. The maximum benefit for PIP insurance claims is $2,500 unless you sustain an emergency medical condition.

Filing a Claim Against an At-fault Driver in Florida 

Florida insurance laws make an exception for car accident claims when the victim sustains serious injuries. If your injuries meet the serious injury threshold (i.e., death and permanent impairments), you can sue the at-fault driver for damages. If the driver has liability insurance coverage, you can file a claim with their insurance provider for compensation.

A negligence claim for damages can include full compensation for economic and non-economic damages. Therefore, you could be entitled to compensation for the full value of your:

  • Medical bills and expenses
  • Loss of enjoyment of life and quality of life
  • Mental anguish and emotional distress
  • Out-of-pocket expenses
  • Physical pain 
  • Loss of income, wages, and benefits
  • Scarring and disfigurement 
  • A decrease in future earning capacity
  • The cost of physical therapy and rehabilitation 
  • Permanent disabilities and impairments 

The amount you receive for a car insurance claim depends on the person’s policy limits, the strength of the evidence proving fault, and other factors. Working with our Miami car insurance claims lawyers can increase the chance you receive a fair settlement for your car accident case. 

Schedule a Free Consultation With Our Miami Car Accident Lawyers

Let us help you file a claim and recover compensation for damages after a car crash. Call now for a free consultation with an experienced Miami car accident attorney.