It’s a question you never want to have to ask yourself: Am I fully covered by my own auto insurance in the event of a car accident? You might think the answer lies in your policy documents, but it may be a little bit more complicated than that.
In this brief article, commercial truck accident lawyers in Tampa at Inkelaar Law share the information you need to know about insurance if you have been involved in an auto accident or an accident involving a commercial truck or other type of commercial vehicle.
In Florida, you may have heard of the “No-Fault” accident rule. This rule is often misunderstood, with many people under the impression that it means that fault doesn’t matter in accidents in Florida. Quite the contrary, fault is very important in determining who will pay for an accident in the state of Florida.
The Florida No-Fault law states that each policyholder (or driver) is required to have $10,000 in personal injury protection, or PIP as it’s more commonly known. This type of coverage pays medical expenses incurred by the insured regardless of who’s at fault in the accident. This is slightly different from a term you might have seen called “med pay” on your policy.
According to the State of Florida, if the at-fault driver was charged with a moving violation and injuries or possible injuries were noted on the crash report, Florida Financial Responsibility Law (Chapter 324, Florida Statutes) requires the at fault owner/driver to have full liability insurance coverage in effect at the time of the crash. This coverage includes:
To circle back to the original question, whether you are fully covered by your car insurance after an accident will depend on the PIP limits of your policy, whether you were at fault, and whether the at-fault party had all required insurance minimum coverages.
If you’ve been involved in a commercial truck accident, there isn’t a simple answer as to who will be on the hook for your injuries. Your insurance PIP coverage may need to pitch in a bit, but the other driver’s insurance and their company’s insurance will likely also shoulder a portion. Commercial vehicle accident attorneys in Tampa can help you sort out who is responsible for your medical bills in the event of an accident.
When you’ve been involved in an auto accident or a commercial vehicle accident, the last thing you will want to worry about is your insurance coverage — especially if you’re not at fault. Commercial truck accident lawyers in Tampa can help you negotiate with the insurance companies and pursue the compensation you deserve after you’ve been hurt in an accident.
If you have been injured in an accident and are interested in filing a personal injury case, contact Inkelaar Law today.
If you need commercial truck accident attorneys in Tampa, please give us a call for free consultation at (813) 722-0622, or submit our consultation request form.
Disclaimer: The information contained in this article is for general educational information only. This information does not constitute legal advice, is not intended to constitute legal advice, nor should it be relied upon as legal advice for your specific factual pattern or situation.