If I am injured, who pays for my medical expenses?
Under Florida law, your own auto insurance pays for medical expenses when you are in an auto accident. The portion of your insurance that pays medical expenses is called PIP (Personal Injury Protection). These PIP benefits cover up to $10,000 in medical expenses. No matter who is at fault for the accident, the portion of PIP opens once you make the claim with the insurance company to cover medical expenses. Any portion of medical expenses that is not covered by PIP, can be submitted for payment to the at-fault party’s insurance company.
Who’s responsible for my vehicle repair in case of an accident?
If the accident was caused by the negligence of another person and not yours, the person who caused the accident has to be responsible for repairing your vehicle. The state of Florida requires you to have insurance to pay for property damage. Also, the insurance of the person who caused the accident is responsible for putting you in a rental car while your vehicle is repaired. If your car is determined to be a total loss, the insurance company must estimate the actual value of the vehicle on the market today to replace it.
What happens if the person who causes the accident doesn’t have insurance?
drive without insurance or when an accident happens, they realize that their policy has been canceled. Therefore, it is extremely important that when you buy an insurance policy you make sure to buy the portion that pays for damage to your vehicle in case someone else caused the accident and has no insurance. This portion of insurance is called Collision, and pays for your car damages in case the person who caused the accident does not have insurance or if you cause the accident.
I was involved in an auto accident where I was a passenger. Who pays for my expenses from this accident?
Passengers, in most cases when an accident occurs, are entitled to multiple claims. Depending on how the accident happened is how it’s determined who is responsible for personal injuries and medical expenses. It is ideal that in such cases you consult with an attorney immediately to determine who is responsible for your injuries. It does not matter if you are a passenger in the vehicle that caused the accident, you may be entitled to a claim. Call today to Angel Law Firm and speak directly with Attorney Angel personally.