AUTO INSURANCE IN FLORIDA

If you’re injured in a south Florida traffic collision because another driver was negligent, speak right away to an experienced West Palm Beach personal injury lawyer. You have the legal right to be reimbursed for your medical costs and related expenses. But what if you are the negligent river and you injure someone else? What kind of automobile insurance is required in Florida, and what is needed to protect yourself against personal injury claims if you accidentally injure someone while driving?

Florida legally requires only two kinds of insurance: Personal Injury Protection (PIP) and property damage insurance. Personal injury protection coverage is meant to cover your damages in any accident. These could be accidents caused by you, but you would still be eligible for damages. Personal Injury Protection Insurance will cover any body, relatives who live in your home, and persons driving your car in any accident that occurs in Florida. The coverage will also cover pedestrians and bicyclists as long as they are residents of Florida. Regardless of any fault, you must use your PIP coverage to pay for your first $10,000 in medical bills and lost wages. PIP coverage does not protect you from being sued by someone who’s permanently injured, and it will not pay for your pain and suffering. It covers only the first $10,000 of medical bills and lost wages.

Florida also requires automobile owners to have a $10,000 property damage policy. Property damage liability insurance will cover the damages that you have suffered to property, like your car in the accident. Property damage could also include damage to any other assets like a building, a telephone pole, or the other car. It does not cover your property and does not help if your car is damaged when someone crashes into you and that person is uninsured. Many drivers think they can get by with this minimum coverage, but when you drive with minimum coverage you are exposing yourself and your family to extreme financial risk if a serious accident happens.

You don’t have to hold and maintain bodily injury liability insurance. However, in certain cases, like after a DUI conviction, you may be required to purchase and hold this insurance as well.

If you drive in south Florida, it really is essential to have uninsured motorist coverage added to your automobile insurance policy. Many people drive in this state with no liability insurance, so uninsured motorist coverage is sometimes the only resource available to reimburse medical expenses, repay lost wages, and compensate injured victims for their pain and suffering.

Several studies indicate that about 15 percent of the drivers on Florida’s streets and highways have no liability insurance. Some states are even penalizing uninsured drivers by barring them from filing particular personal injury claims even when another driver caused their injuries. Still, in south Florida the wisest way to protect yourself is buying uninsured motorist coverage. While you may pay a little more up front, if you are the victim of an accident, you are assured that you have a source for recovery of damages. The state of Florida encourages drivers to buy uninsured motorist coverage, so if you decide not to buy it, insurance companies are required to have you sign a form verifying that you have rejected it. Remember that this leaves you legally on the hook for your own damages if you are hurt in an accident by a negligent, uninsured driver.

Having the right automobile insurance after a car accident can make all the difference. These are just the basic minimum types of coverage that you need to hold. You can also buy other types of insurance coverage, including comprehensive, collision insurance, as well as towing and rental car reimbursement. And if you’re injured in any traffic accident because of another driver’s negligence in south Florida, speak at once to an experienced West Palm Beach personal injury lawyer. A good personal injury lawyer can help you win compensation for your medical bills, lost income, and other related expenses. An experienced Palm Beach personal injury attorney will also counsel you regarding your legal options, will protect your rights, and will fight aggressively to win the maximum compensation. If you’re injured by any negligent driver now or in the future, make the call immediately.

What Is An Insurance Demand Letter?

If you have been in a car accident, you will need to file a claim with the insurance companies involved. The demand letter is one of the most important steps in the process of filing a claim with the insurance company. For example, you may write an insurance claim letter to the insurance company of the other motorist involved in the accident, stating facts, and laying out your case for why you deserve the compensation that you quote.

When you write a demand letter, define the circumstances of the accident, including the type and nature of the injuries and the severity of your injury. If you believe that the other person was negligent in causing the accident, then provide evidence or proof in the form of documentation, eyewitness statements, police reports, and other pieces of evidence in support of your claim. For help sending a demand letter, call a Palm Beach car accident lawyer.

List out all the medical expenses that you incurred as a result of the injuries, and define the loss of income you suffer as a result of the accident. That includes not just current income, but also potential for lost income in the future. Clearly define why you believe you are eligible to file a claim against the other motorist involved in the accident, and quote a settlement value that you wish to receive in compensation of your damages.

Do I Have to Use the Body Shop That My Insurance Company Prefers?

Almost all accidents will result in some amount of damage to the car, even if there were no injuries. Your insurance company will likely give you a list of auto repair companies or body shops that it prefers. The insurance adjuster will ask you to get your car fixed at one of these body shops. For help dealing with an insurance company after an accident, talk to a Palm Beach car accident lawyer.

There are pros and cons to using a provider, referred by your insurance company. Let’s look at the pros. Typically, these shops will be located close to you, and will have a lot of experience dealing with accidents involving the particular insurance company. You might find that the process is simpler and more convenient. Besides, you might also find that you don’t have to haggle over pricing, because there is usually very little or difference at all between the workshop’s bill and the insurance company’s rates.

However, whether you get a high quality repair of your car when you go to the preferred auto repair provider is up for debate. The body shop may use salvage parts, or low-quality parts. You may not have much say in the quality of parts that the body shop provides, when it is a company that is referred to by your insurer. Additionally, because of the lack of competition – the auto repair shop is fairly certain of business from the insurance company – they may not do a high-quality job on your car.

For help filing a claim after a car accident, speak to a Palm Beach car accident lawyer.

IF YOU LIVE NEAR A GOLF COURSE

The popularity of golf in south Florida is undeniable. Thousands here choose to live in country club communities, those pleasant, gated neighborhoods or subdivisions that are centered around golf courses. Thousands more live adjacent to public courses and driving ranges. What happens, though, if golf balls slam into your home, your car, or in the worst-case scenario, if a golf ball causes a personal injury? A recent decision over a small claims court case illustrates who is responsible for what when the golf balls fly your way. If you’re injured by a stray golf ball in south Florida, seek the counsel of an experienced West Palm Beach personal injury attorney. You may be able to file a personal injury claim against the operators of the golf facility and win reimbursement for expenses related to your injury.

In City of St. Petersburg vs. Brenda Gordon, a neighbor of the city-owned golf course tired of stray balls hitting her house and car. She had complained to the city multiple times and was finally fed up with the lack of interest in her complaints. She filed a small claims court lawsuit alleging negligent use, maintenance, and operation of the driving range area where the errant golf balls originated. A Pinellas County appeals judge upheld a lower court decision finding liability on the part of the city, which had claimed sovereign immunity from the suit. The judge rejected that contention and affirmed that government agencies that operate golf courses are clearly just as responsible for what happens on their property as a private course owner would be.

In some nations, citizens injured by their government have no legal recourse at all. In Florida and most other states, the state government will allow itself to be sued, but only in particular circumstances and only up to a certain cash amount. State governments cannot be sued simply for bad decisions; you can sue only when a decision is negligently implemented and results in an injury. For example, you can’t sue the state for building a highway that’s difficult to navigate, but if you’re injured because of bad lighting or because the lines between lanes were painted incorrectly, then you have grounds for a lawsuit.

When you sue the government in Florida, your damages are limited to $200,000 per person and $300,000 per tort claim. That may be sufficient in many cases, but the limit is a huge burden for the victims of catastrophic injuries. The only way to recover more is to file a claims bill. This is an actual bill filed in the Florida legislature, sponsored by a member.

Florida has more golf courses – over 1,250 – than any state in the nation, and right here in Palm Beach County, your chances of being injured by a stray golf ball, while remote, are still higher than anywhere else; we have more courses than any other county in the nation. If you suffer a personal injury due to a stray golf ball, get legal help, and speak at once to an experienced West Palm Beach personal injury attorney.