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Witnesses can be essential to a car accident claim. Neutral third parties who have no stake in your case and back up your version of what occurred can be very persuasive in convincing an insurance company or jury of what happened. Insurance adjusters will often decide which version of the event is more accurate based Learn More “In a Pedestrian Accident, Should I Get Witnesses?”
Pedestrians and bicyclists are entitled to PIP coverage. To be entitled to PIP benefits, you must receive initial services and care within 14 days after the motor vehicle accident. PIP pays: 80 percent of reasonable medical expenses related to the accident, up to $10,000 in benefits. If you or a household relative member have PIP Learn More “In a Pedestrian Accident, Who is Going to Cover My Medical Bills?”
In Florida a police report is not required to file an insurance claim and may not be mandatory at times to file one, however, it is highly recommended and beneficial. A police report may be required if a car involved in the crash was so damaged it had to be towed from the scene. Having Learn More “In a Pedestrian Accident, do I Need to File a Police Report?”
What if I get hit by a ride share vehicle? Period 0: When the driver is not logged into the Uber/Lyft app, Uber/Lyft provides no coverage Period 1: When the driver is logged into the app but has not yet accepted a ride request, Uber/Lyft provide liability coverage for any accident that is the fault Learn More “When is the Driver or Rideshare Company Responsible in an Accident?”
What is covered if vehicle is innocent? You may bring a claim against the at fault driver of the other vehicle for bodily injury. You may also recover against the rideshare company’s insurance under the ride sharing company’s uninsured/underinsured (UM/UIM) insurance coverage. You may obtain compensation for: Past and future physical pain and suffering, mental Learn More “Who is Responsible if I am Injured in a Rideshare Vehicle like Uber or Lyft”
What is covered if the vehicle is at fault? A passenger injured in a rideshare car accident can recover against the rideshare company’s insurance as the company is required to carry third party liability coverage which may pay up to $1 million in coverage. You can bring a lawsuit against the rideshare company’s insurance to Learn More “Am I Covered if I am Injured in a Rideshare Vehicle Like Uber or Lyft”
Florida law requires that auto insurance policies include Uninsured Motorist Coverage (UM) at limits equal to the Bodily Injury Liability Limits or Combined Single Limit for Liability in your policy unless you select a lower limit offered by the Company, or reject Uninsured Motorist Coverage entirely. This rejection must be made in writing in order Learn More “Am I Required to Have a Signed UM Rejection?”
It is not required in Florida, Uninsured motorist (UM) insurance pays if you, your passengers or family members are hit by someone who is “at fault” and does not have insurance, or has insufficient liability insurance to cover the total damages sustained by you. This applies whether you are riding in your car, riding in Learn More “Do I Need UM Motorist Coverage?”
The other driver’s insurance company will cover through property damage liability the cost of repairs or value of your car if it is declared a total loss up to the coverage limit. Florida requires a minimum of $10,000.00 for property damage liability. Your insurance company may also cover your property damage excluding your deductible if Learn More “Whose Insurance Will Cover My Property Damage?”