Understanding Lutz, Florida, car insurance laws is crucial if you’ve been injured in a car accident. Knowing what your rights are and how to file a claim can make the process much easier for you. In this page, we’ll provide an overview of Lutz car insurance requirements and walk you through what to expect from the claim process.
Minimum Car Insurance Requirements in Florida
In Florida, all drivers must carry a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Personal injury protection covers your medical bills regardless of who is at fault for the accident.
However, these minimum requirements may not be enough to fully cover your damages if you’ve been seriously injured.
Optional Auto Insurance Coverage
In many cases, the minimum insurance coverage is not enough to cover the cost of damages incurred in an accident. That’s why it’s important to understand your options for additional coverage.
Some of the optional types of coverage you may want to consider include:
- Bodily injury liability: This coverage protects you if you are at fault for an accident that injures another person.
- Collision insurance: This covers damage to your car from a collision with another vehicle or object.
- Comprehensive insurance: This covers damage to your car from events such as theft, vandalism, or weather damage.
- Uninsured/underinsured motorist coverage: This protects you if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover your damages.
What Does “No-Fault” Liability Mean?
Florida is a “no-fault” state, which means that each driver’s PIP insurance will cover their own medical bills, regardless of who is at fault for the accident.
However, there are some exceptions to this rule. You may be able to file a lawsuit against the at-fault driver if you suffer a “serious injury.” Under Florida car insurance law, this is defined as a “physical condition that creates a substantial risk of death, serious personal disfigurement, or protracted loss or impairment of the function of a bodily member or organ.”
What To Expect From the Car Accident Claim Process in Florida
There are several general steps in the Florida car accident claims process.
- File a police report. Florida law requires motorists to report car accidents if there is any damage to either vehicle or if anyone was injured. The police report can be used as evidence in your insurance claim.
- File a claim with your insurance company. Because Florida is a no-fault state, you must file a claim with your own insurance company. Your insurer must approve or deny the claim within 30 days.
- Filing a personal injury lawsuit. If your injuries meet the qualifications described in the previous section, you may be able to file a personal injury lawsuit against the at-fault driver to compensate for damages beyond what your insurance limits cover.
If you’ve suffered serious injuries in an accident caused by someone else’s negligence, it is important to understand your legal rights and options. An experienced Lutz car accident attorney can help you navigate the claims process and fight for the compensation you deserve.
Frequently Asked Questions About Lutz, Florida Car Insurance Laws
No, you are not required to speak to the other person’s insurance company. In fact, it is generally advisable not to give a statement to the other driver’s insurance company until you have consulted with an attorney.
Because Florida is a no-fault state, each driver’s insurance company pays for their own medical bills and damages, regardless of who is at fault for the accident. If you are in a Lutz car accident while renting a car, your personal auto insurance policy will typically provide coverage.
In general, a driver’s Personal Injury Protection (PIP) will cover their passengers’ medical bills in the event of an accident. If a passenger’s injuries exceed the PIP limit, the passenger may be able to file a claim with the at-fault driver’s insurance company.
Get Help From Rivas Law Group Today
If you have been injured in a car accident, it is important to understand your legal rights and options. Tania Rivas is an experienced Lutz personal injury lawyer who has helped many accident victims navigate the Florida car insurance claims process. Contact Rivas Law Group today to schedule a free consultation and get help fighting for the compensation you deserve.