What Types of Florida Car Insurance Cover Personal Injuries?

What Types of Florida Car Insurance Cover Personal Injuries?

If you have been in a car accident, getting evaluated by a doctor as soon as possible afterwards is a crucial step: seeking medical attention will not only address any injuries that you may have, but will also substantiate any insurance claim you may file related to the crash. If you are in fact injured, filing an insurance claim should ultimately compensate you for your medical bills, lost wages, and other accident-related costs. For that reason, knowing the types of insurance that cover personal injuries can give you a better understanding of what level of compensation to expect later. Below are forms of car insurance in Florida that cover personal injuries; some are optional, while personal injury protection insurance is required for all drivers in the state of Florida. Keep in mind that if you are injured in a car accident, the insurance you may use will vary depending on your policy and the circumstances of your accident.


Personal injury protection insurance

-Covers up to $10,000 (minus your deductible) of your medical expenses (80%), lost wages (60%), and death benefits ($5,000) even if you were at fault

-Mandatory minimum of $10,000 of coverage required in Florida

-Eligibility for injury compensation expires 14 days after accident if no medical attention sought


Bodily injury liability insurance

-This pays for your serious injury, permanent injury, pain and suffering, or death by the other driver’s insurance company when they are at fault

-Generally not required in Florida

-Your own bodily injury liability insurance will not cover you


Uninsured/underinsured motorist insurance

-Provided by your insurance company for medical expenses, pain and suffering, emotional distress, lost wages, or death after a hit and run incident or an accident caused by an at-fault driver with no insurance or insufficient insurance

-Not required in Florida


Medical payment insurance

-This covers your medical expenses even if you were at fault

-Applies once personal injury protection benefits are exhausted

-Not required in Florida


If you or a loved one has been a victim of a car accident, please do not hesitate to call our office for a free legal consultation at (727) 786-5000 or fill out our case evaluation form on the Contact page of our website.

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