Florida’s No-Fault PIP Insurance For Motor Vehicle Accidents Expires
As of October 1, the No-Fault Law in Florida no longer exists. The Florida No-Fault law mandated that every driver in the state purchase $10,000 worth of PIP (Personal injury protection) and $10,000 PDL (Property damage liability). The coverage protected the driver—regardless of whether another party caused the motor vehicle accident. Now, drivers are no longer required to have PIP. PIP Under the No-fault Law, Florida required all drivers with a Valid Florida tag to purchase PIP. The coverage provided personal injury coverage regardless of who was at fault in causing a motor vehicle crash. PIP covered the driver, passengers, family members that resided with the driver in his or her home, and anyone that the driver had granted permission to drive the motor vehicle (up to their coverage’s maximum). A driver was also covered by PIP if he or she was hit by a motor vehicle while walking on the streets as a pedestrian or while riding a bicycle. PDL Property damage liability provides coverage for damages sustained by other motor vehicles if a driver (or family members using his or her vehicle) was responsible for causing the traffic collision. BIL Bodily Injury Liability covers permanent and serious injuries and wrongful death to others (up to a certain financial limit) if the driver with BIL caused the motor vehicle crash. Serious injuries sustained in a car accident may include spinal cord injuries, traumatic brain injuries, broken bones, burn injuries, neck injuries, severed limbs, internal injuries, and wrongful death. The Florida Department of Highway Safety & Motor Vehicles, which recently released its 2006 Florida Crash Statistics Report: • 256,200 traffic accidents in Florida last year. • 3,365 people died in these accidents. • 214,914 people were injured. • 115,834 of the traffic accidents resulted in property damage but no personal injuries. Florida lawmakers are scheduled to meet this week to determine whether Florida’s No-Fault Law should be renewed. Florida Motor Vehicle Insurance, FAQs, Florida Department of Highway Safety & Motor Vehicles 2006 Florida Crash Statistics (PDF), Florida Department of Highway Safety & Motor Vehicles Related Web Resource: Florida's Motor Vehicle No-Fault Law, Flsenate.gov (PDF) At The Law Office of John D. Ameen, P.A., we are a Florida personal injury law firm that represents clients who have been injured in car accidents, truck accidents, motorcycle accidents, pedestrian accidents, bicycle accidents, and other kinds of personal injury accidents in Florida. We would be happy to discuss your accident case with you. Contact The Law Office of John D. Ameen, P.A. today and ask for your free consultation with one of our experienced Florida motor vehicle accident attorneys.