Auto Insurance, Accidents, and Florida Laws


Florida No Fault Law

Florida law requires all drivers to carry no-fault insurance coverage, which includes a personal injury protection (PIP) plan. The no-fault law establishes limited liability for injuries resulting from an auto accident, with PIP benefits paying for the medical bills of the injured party. Insurance coverage may also pay for lost wages and property damage resulting from the accident. The no-fault law does does not protect a driver who caused an accident from liability for an injured party's losses stemming from a serious injury or death. The attorneys at Chanfrau & Chanfrau are experts in Florida state law pertaining to personal injury, and can answer any questions you have.

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Florida Uninsured Motorist Law

State law requires motorists to carry liability insurance, and penalizes uninsured drivers with fines and license suspension. Still, a surprising number of residents drive without insurance - estimates have been as high as almost one in four. Uninsured motorist insurance provides coverage to protect drivers in case of an accident involving a party who does not have insurance or is under-insured. Uninsured motorist insurance pays for medical bills beyond the $10,000 provided by PIP, as well as for property damage and losses related to the impact of a severe injury.

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Pursuing Compensation

Driving a car necessitates the responsibility to do all we can to avoid causing an accident, including following traffic rules, remaining alert and watchful, and refraining from driving under the influence of drugs or alcohol. If another driver is negligent, careless, or reckless and causes a collision that harms you or your family, monetary compensation can help you put your life back together. Damages in the case of liability can include past and future medical bills and lost wages, and loss of property. In the case of severe injury or wrongful death, damages may also include pain and suffering, mental anguish, loss of quality of life, and funeral expenses.

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