Auto & Truck Accident Questions
What type of automobile insurance coverage is required for a person causing a crash?
The Florida Financial Responsibility Law requires that any person at fault in a crash resulting in bodily injury and property damage to others must have full liability insurance coverage in effect at the time of the crash. This coverage includes minimum limits of bodily injury liability of $10,000 per person, $20,000 per crash, $10,000 property damage liability per crash, and personal injury protection (PIP) limits of $10,000 per person per crash.
What is the difference between uninsured motorist coverage and underinsured motorist coverage?
Uninsured motorist coverage is coverage on your policy that pays you for your injuries when someone who has no coverage injures you. Underinsured motorist coverage pays you for your injuries when the at-fault driver has insurance coverage, but the liability limit is not high enough to fully compensate you for all you have suffered
If I have health insurance coverage, do I also need auto insurance coverage?
By law, you must carry a minimum of $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability coverage.
What is comparative negligence?
Comparative negligence compares the negligence or determines the responsibility of everyone involved in an accident. When a jury hears the case, the jury members decide what percentage of the total fault goes to each person involved. The amount of compensation awarded to a person will be reduced by his or her share, or percentage, of the total fault.
What information should I obtain after an auto accident?
First you should seek immediate medical attention if you are seriously injured in an automobile accident. After everyone is out of danger and police help has been requested, obtain the following information:
- Contact information (name, address, phone) for anyone who was there, including other drivers, passengers, witnesses, and the tow company if your car was towed
- Police report information
- Information about all vehicles involved:
- Year, make, and model
- License plate number
- Insurance carrier
- Insurance policy number