Make Sure You Are Covered in a Hit and Run
Personal Injury Lawyer | Accidents can happen anywhere and anytime, without any fault of yours or without any prior warning whatsoever. Our team of car accident lawyers are outraged by this heinous, reckless, and complete disregard for human life.
How to Protect Yourself
There are a few things to keep in mind if you or any of your loved ones ever face such a situation.
Florida law mandates PIP (i.e. personal injury protection) coverage to be included on automobile insurance policies. Also known as Florida “No Fault Insurance,” PIP coverage provides a minimum layer of financial protection for you in case of an auto accident. The “no fault” means that PIP will help pay for your medical expenses regardless of who is determined to have caused the accident. Your PIP will also cover your child, members of your household, and certain passengers who lack PIP Insurance as long as they do not own a vehicle. People riding in your vehicle who carry PIP will receive coverage under their own PIP for their injuries, and certain licensed drivers who drive your vehicle with your permission are also covered. PIP also covers your child if they suffer an injury while riding on a school bus. PIP coverage protects you while in someone else’s vehicle, as a pedestrian, or as a bicyclist if you suffer an injury in a crash involving a motor vehicle.
PIP comes in handy, but the mandatory minimums are dangerously low. Drivers are required to carry only $10,000 in coverage. If you have significant injuries like a fractured rib, broken leg, torn muscles, nerve damage, spinal cord trauma, etc. that $10,000 will be spent very quickly on medical bills alone.
Uninsured Motorist Coverage
It is highly recommended that you carry some form of uninsured motorist coverage. This is an optional form of insurance coverage in Florida, but can be a godsend in situations involving traumatic, potentially life-threatening injuries. You can purchase various amounts of uninsured motorist coverage, though it cannot exceed the amount of liability coverage you have on your auto insurance policy. This means if you have, for example, $50,000 in liability coverage, you are capped at $50,000 in uninsured motorist coverage. – Miami Injury
The employment discrimination lawyers at Printy Law Firm can inform you of legal options you may not know you have. If you or a loved one has experienced an injury or wrongful death due to someone else’s negligence, contact The Personal Injury Department at Printy Law Firm.
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