What Does PIP Insurance Cover?
PIP is legally mandated in Florida, and it covers each individual car owner, as well as the members of their household, other people who drive your car, passengers in your vehicle, and pedestrians struck by your car.
In the event of an accident, PIP will cover 80% of necessary medical costs, including ambulance, doctor’s bills, surgery, X-rays, nursing, dental and prosthetic devices. It will also cover 60% of lost wages if you are unable to work due to the accident. Death benefits are $5,000 per person and are paid in addition to the medical and disability benefits.
How long do you have to report a car accident in Florida?
The state of Florida requires that you report the accident within ten days from the date that it occurs.
What are my rights after a Rear-End Auto Accident?
Florida law requires that drivers maintain a safe distance between themselves and the car in front of them. The two-second rule is recommended as a means to judge this distance. If a rear-end accident occurs, there is a rebuttable presumption that the driver in the rear is responsible. If you are the driver in the front vehicle, you do not need to prove negligence; you only need to prove that the other driver did, in fact, rear-end you. You then have the right to claim compensation.
However, it is not necessarily always the case that the rear driver is at fault. It is possible that the front driver did something wrong. The rear-end driver can then contest the assumption of his/her liability. Courts often follow a concept called ‘comparative negligence,’ where they assign a percentage of the blame to everyone involved.