{"id":46,"date":"2017-11-05T10:00:02","date_gmt":"2017-11-05T15:00:02","guid":{"rendered":"https:\/\/www.davidalanwolf.com\/blog\/?p=46"},"modified":"2020-11-30T19:35:13","modified_gmt":"2020-12-01T00:35:13","slug":"insurance-coverage-benefits-available-personal-injury-victims-following-florida-automobile-accident","status":"publish","type":"post","link":"https:\/\/www.davidalanwolf.com\/blog\/insurance-coverage-benefits-available-personal-injury-victims-following-florida-automobile-accident\/","title":{"rendered":"What Insurance Coverage and Benefits are Available to Personal Injury Victims Following a Florida Automobile Accident?"},"content":{"rendered":"

\"https:\/\/www.davidalanwolf.com\/blog\/wp-content\/uploads\/2017\/11\/Car-Crash.001-300x155.jpeg\"In the aftermath of a Florida automobile accident, there are a number of challenges and\u00a0questions that arise. \u00a0Many such questions involve insurance coverage and benefits. \u00a0Florida has\u00a0unique and confusing laws as to insurance coverage requirements, insurance policies, and entitlement to damages for pain,\u00a0suffering, loss of\u00a0enjoyment of\u00a0life and mental anguish. \u00a0As a Florida Personal\u00a0Injury Attorney, one of the first questions that I ask a prospective client involves\u00a0insurance coverage. \u00a0More often than not, potential clients do not know or understand the type or amount of coverage in place\u00a0under the applicable\u00a0Florida automobile insurance policy. \u00a0In addition, it is a bit unknown up front as to the amount and type of coverage in place for the other driver who is at fault for the Florida crash.<\/p>\n

The\u00a0fault or\u00a0liability for the accident is just the start of a potential case. \u00a0Just because the other driver is deemed to be at fault or responsible per the police report. \u00a0The personal\u00a0injury case or claim does not begin and end with the police report. \u00a0In fact, the police report in most personal injury cases cannot be used as evidence at trial. \u00a0Back to the issue of Insurance, Florida only requires a motor vehicle owner to carry two types of insurance in the form of PIP (Personal Injury Protection) insurance and PD (Property Damage) insurance. \u00a0Let’s day that there is a rear end crash in which Jane Doe (the victim) suffers serious personal injuries in the form of neck fracture. \u00a0The at-fault driver was covered under an automobile insurance policy with PIP and Property damage coverage. \u00a0 The victim was covered under a minimal policy as well in the form of PIP and Property Damage. \u00a0Under this Florida Automobile Accident<\/a><\/strong> fact scenario, the victim can get up to $10,000 for medical bills under the victim’s PIP policy and get up to $10,000 for the property damage claim. \u00a0Even though the personal injuries are quite serious, there is no insurance in place under this fact pattern for the bills beyond the $10,000 or pain, suffering, loss of enjoyment of life, or mental anguish.<\/p>\n

From a practice standpoint, it is important that the at-fault driver \/ owner have Bodily Injury insurance. \u00a0In addition, it is helpful if the victim has access to what is called Uninsured or Underinsured Motorist insurance. \u00a0Both Bodily Injury insurance and Uninsured \/ Underinsured Motorist insurance is optional. \u00a0The amount of coverage can range from $10,000 to over $1,000,000.<\/p>\n

Continue reading \u2192<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

In the aftermath of a Florida automobile accident, there are a number of challenges and\u00a0questions that arise. \u00a0Many such questions involve insurance coverage and benefits. \u00a0Florida has\u00a0unique and confusing laws as to insurance coverage requirements, insurance policies, and entitlement to damages for pain,\u00a0suffering, loss of\u00a0enjoyment of\u00a0life and mental anguish. \u00a0As a Florida Personal\u00a0Injury Attorney, one […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,6],"tags":[12,13],"class_list":["post-46","post","type-post","status-publish","format-standard","hentry","category-automobile-accident","category-insurance","tag-automobile-accident","tag-insurance-coverage"],"yoast_head":"\nWhat Insurance Coverage and Benefits are Available to Personal Injury Victims Following a Florida Automobile Accident? — Personal Injury Wolf — November 5, 2017<\/title>\n<meta name=\"description\" content=\"In the aftermath of a Florida automobile accident, there are a number of challenges and\u00a0questions that arise. \u00a0Many such questions involve insurance — November 5, 2017\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.davidalanwolf.com\/blog\/insurance-coverage-benefits-available-personal-injury-victims-following-florida-automobile-accident\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"What Insurance Coverage and Benefits are Available to Personal Injury Victims Following a Florida Automobile Accident? — Personal Injury Wolf — November 5, 2017\" \/>\n<meta name=\"twitter:description\" content=\"In the aftermath of a Florida automobile accident, there are a number of challenges and\u00a0questions that arise. \u00a0Many such questions involve insurance — November 5, 2017\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.davidalanwolf.com\/blog\/wp-content\/uploads\/2017\/11\/Car-Crash.001.jpeg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David A. 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