What Is the Purpose of Personal Injury Protection?

When you are a resident of the state of Florida and you own a vehicle, you will need to obtain Personal Injury Protection when you are getting auto insurance. It’s the law in the state of Florida. The purpose of having this level of protection is to ensure that your injuries are covered if you do get into an accident, even if you were not the one who initially caused the crash to take place on the road.

When you hire an experienced motor vehicle accident attorney to represent you, he or she focuses on getting you the compensation that you need to cover the wages you missed out on from not being able to work, in addition to the medical expenses you now have because of your hospital visits. It helps to have an attorney working on your case with you because that attorney can provide you with important information while making sure that you are fully aware of your rights.

What Will It Cover?

If you have the proper level of protection, Personal Injury Protection will cover the cost of medical expenses and loss of wages. It does not matter if you were the one that caused the accident or not because this protection covers you no matter what. If you have relatives living in the home with you, such as a significant other and/or children, they are also covered if they get hurt when they are riding around in the vehicle that you own. 

While most drivers need to have this extra level of protection, is not a requirement for all drivers. Those that drive school buses, cabs, motorcycles, and limousines are not required to obtain Personal Injury Protection.

The Level of Coverage You Need

Because most drivers do need to have Personal Injury Protection, it is important for those drivers to know the exact amount of coverage they need to obtain. As a resident of the state of Florida, you would need to have at least $10,000 in Personal Injury Protection. By having this amount of protection, the insurance company would cover the cost of medical expenses and repairs that would need to be made to your vehicle.

After getting into one accident, it is always a possibility that you will get into another one several years later. Even if you get into a second accident, you will still have the same amount of coverage that you received from the first accident since it is an entirely new claim. When choosing an auto insurance plan, you should think of the expenses you could have to deal with if you get into a serious accident. You should also know more about the limitations of Personal Injury Protection coverage. For example, if you have sustained injuries but those injuries are minor, you might only receive up to $2,500 in coverage from the insurance company.

What You Need to Know

Having Personal Injury Protection can save the day for you. You could have around 80 percent of all accident-related expenses covered by the insurance company, which means you would not have to put out nearly as much money from your own savings account to pay off medical debt and get your vehicle fixed. If you are going to seek compensation, you must have documents of your medical expenses available to show the insurance company. You will need to seek immediate medical attention after the accident, as well.

Contact a Pompano Beach Personal Injury Lawyer to Discuss Your Car Accident Case in Florida

Did you or a loved one sustain serious injuries due to a car accident in Florida? Don’t let the medical bills pile up while you wait for the negligent party or their insurance company to do the right thing. Right now, you need an aggressive personal injury attorney on your side, fighting to get you the compensation you need, want, and deserve. The skilled attorneys at Gonzalez & Cartwright, P.A. represent clients injured because of car accidents in Fort Lauderdale, Pembroke Pines, Hollywood, Miramar, and throughout Florida. Call (561) 533-0345 or fill out our online contact form to schedule a consultation about your case. We have an office conveniently located at 813 Lucerne Ave., Lake Worth, FL 33460, as well as offices in Pompano Beach.

The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.