In Florida, all registered drivers are required to maintain a car insurance policy. These policies must also carry certain forms of liability coverage: personal injury protection (PIP) and property damage liability (PDL). With this kind of coverage required of all drivers, why would legal action still be necessary after a car accident? Below, we take a look at a several shortcomings of our car insurance laws and why many car accident victims are left without the compensation they deserve.
Minimum Coverage Requirements
On paper, requiring all drivers to carry liability coverage seemingly eliminates the need for legal intervention following an accident, but in practice, it is not as cut and dry. For instance, this liability coverage isn't unlimited and, in fact, for financial reasons, a majority of Florida drivers carry the minimum liability coverage required of them.
Minimum liability coverage requirements in Florida include:
- Personal injury protection: $10,000
- Property damage liability: $10,000
In minor accidents, these minimums may be able to cover the full scope of medical bills, lost wages, and other post-accident expenses. However, in cases where there are serious injuries, multiple victims, or even a death, these minimums are unlikely to provide appropriate relief to those affected.
Fighting for the Coverage You Deserve
It's also important to remember that these liability protections are subject to the same scrutiny that all other insurance claims are—meaning that insurance providers are likely to fight or dispute the needs of the claimant. So even if your accident expenses are completely covered by the minimum PIP or PDL protections, you may find yourself in contention with an insurance provider that is looking to protect its bottom line.
If you are facing insufficient coverage or insurance provider resistance following your car accident, then the time to seek legal counsel is now. At Lauri J. Goldstein & Associates, PLLC, our proven and skilled Martin County car accident lawyers have more than seven decades of combined legal experience. Our firm knows what it takes to secure results for our clients and ensure that the gravity of their injuries is compellingly put forth before the law.
Don't wait to start exploring your legal options. Call us today.