Florida Auto Insurance Requirements

You should be aware of how Florida auto insurance requirements could affect your claim if you were injured by someone else's carelessness or recklessness. To fully understand your rights and what options are available to you after an accident, you should consult with a St. Petersburg car accident lawyer.

While property damage may not warrant the pursuit of a claim, if you were seriously injured as a result of someone else's negligence then you may have the right to receive compensation.

Overview of Florida Auto Insurance Requirements

All drivers who own a vehicle in the state of Florida must carry insurance. There are minimum requirements for the amount of coverage you must have. You should carry a minimum of $10,000 property damage liability (PDL) and a minimum of $10,000 personal injury protection (PIP).

PDL coverage will pay for the cost to fix the other party's damaged vehicle. Whether you or a member of your family was liable for those damages, this coverage takes care of property damage.

PIP coverage is also known as Florida No Fault Insurance. Whether or not you were the cause of an accident, you will be covered by PIP, up to the amount of coverage you have on your policy.

Additionally, PIP covers family members and certain passengers who do not have PIP insurance due to the fact they do not own a vehicle. If you were carrying a passenger who has their own PIP insurance, they will be covered under their own policy.

PIP coverage extends to your children if they are injured while riding on a school bus. It will also provide coverage if you are injured as a passenger in another individual's vehicle or if you are injured as a pedestrian or bicyclist.

Unfortunately, not all drivers follow Florida auto insurance requirements or, in some cases, they may not have any insurance coverage at all. This can impact the direction of your claim. Trying to settle a claim on your own is probably not a good idea. You will want to seek legal counsel in order to learn how you should proceed with your case.

How a St. Petersburg Car Accident Lawyer Can Help

If you were injured in a traffic accident, you may have a lot of questions concerning your legal options and how insurance coverage will play a role in your claim. To fully understand your rights and the types of coverage that may be available, you should speak with a lawyer as soon as possible.

Obtaining the Help of a St. Petersburg Car Accident Lawyer

Filing a personal injury claim as the result of a St. Petersburg accident can be complex. In cases such as these, it's best that you have an experienced and trustworthy Florida personal injury claim attorney on your side.

To consult with a Florida personal injury claim attorney about your Florida personal injury claim, contact the Law Offices of William K. Saron at 727-345-4566 or 866-836-4947.