You may have already heard that Governor DeSantis recently vetoed Senate Bill 54, legislation that would repeal the mandate that Florida drivers purchase “personal injury protection” insurance or “PIP.” While this is big news in our state, many drivers remain confused about how exactly Florida law applies when they are injured in a car accident. And even though Florida is still a “no-fault” state, a Fort Walton car accident lawyer can help you navigate the claim process so that you can get the compensation you deserve. 

No-Fault States vs. At-Fault States

To understand what makes Florida’s car accident laws somewhat unique, it may be helpful to review how the law works in “at-fault” states. 

In an at-fault state, drivers who are injured in a car accident caused by another driver’s negligence must pursue a claim against the at-fault driver and their insurance carrier for their injuries and other losses. If your insurance covers any of your losses, they will subsequently pursue the other driver and their insurance company for reimbursement through a process referred to as subrogation. 

In no-fault states such as Florida, each driver pursues their claim against their own insurance, regardless of fault. Proponents of the no-fault system argue that it allows consumers to get the compensation they need more quickly, and because it doesn’t incentivize litigation, results in lower insurance premiums. 

That said, insurance companies in no-fault states can be just as difficult to deal with as in at-fault states. A Fort Walton car accident attorney can help you gather the documentation you need and submit your claim so that you can get the compensation you need as quickly as possible. 

What Does PIP Cover?

As mentioned above, Florida law mandates that all drivers carry PIP insurance that will provide the following coverage in the event of a car accident: 

  • 80% of your medical expenses up to $10,000
  • 60% of your lost wages up to $10,000

People are often unpleasantly surprised to discover that PIP does not cover all of their losses and only covers medical expenses up to $10,000. Given the cost of health care these days, $10,000 seems inadequate. 

How a Fort Walton Car Accident Attorney Can Help

In addition to helping you file your claim with your insurance carrier, an attorney can also help you pursue a claim against the negligent driver who caused your accident for any uncovered losses. This means proving that the other driver was negligent and how their negligence caused your injuries. If you have suffered serious injuries that require extensive medical treatment and are unable to work, pursuing a claim against the at-fault driver can help you get the treatment you need and pay your bills. 

Injured in a Car Accident? Talk to a Fort Walton Car Accident Attorney Today

Founded in 1951, Powell, Powell, & Powell is a family-owned and operated law firm dedicated to helping you make a full recovery from your accident. To discuss your case and how we can help, contact us today at 850-682-2757 to schedule a free consultation.