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When a person has been involved in a car accident, it is very common for them to ask one of our attorneys, “which Florida law requires owners and operators of motor vehicles to be financially responsible?”

The answer to that is quite simple; the Florida Financial Responsibility Law is the law that covers car accidents in the state.

Understanding The Financial Responsibility Law In Florida

What is the Financial Responsibility Law in Florida? It would seem like the name of the law gives you blanket protection when you are involved in a car accident. However, as with most laws, things are not that simple.

How this works is that the Financial responsibility law requires you to have two types of insurance on your vehicle to operate it on the roads legally in Florida. All drivers must carry a Personal Injury Protection (PIP) policy with a minimum of $10,000 worth of coverage. Additionally, all drivers in Florida must carry a Property damage policy of no less than $10,000.

Most insurance companies will offer a minimum policy that covers the $10,000/10,000 policies needed to operate a vehicle legally in the state. However, everyone should be advised that these minimal policies may be great for meeting legal requirements, but they may not be that good when an accident occurs. Medical costs, lost income, and physical damage to the vehicle and other personal property often quickly exceed these basic policies.

It is also very important to understand that these minimal policies do not give the owner of the vehicle all of the protections that they assume they have. The minimal policy coverage for property damage is ONLY for the other person. Your personal property damage, including all damage to your vehicle, would not be covered under this type of policy. You would need to have a collision policy in place to have your own vehicle repaired by your insurer.

What If You Are In An Accident With Someone Who Is Uninsured?

Under the Florida Financial Responsibility law, uninsured motorists are still held financially responsible for covering damages they caused in an accident. If you are hit by an uninsured motorist, they are still legally obligated to cover your losses. However, it will be much harder to make a recovery for these losses without an insurance policy in place

Everyone knows that they must have insurance to operate their vehicle legally on the roads. So, if a person is operating without a policy, it is easy to assume that there are other financial factors at play, and it may be impossible to recover from the at-fault driver.

Contact A Car Accident Attorney After Your Accident

Making a claim for compensation after a car accident can become complex, especially if the at-fault party is uninsured or underinsured for the event. To make a full claim for compensation will require the assistance of an attorney who can help you further the claim.

Working with a personal injury attorney will protect your rights as a car accident victim and help you overcome the many obstacles associated with a low-value policy or dealing with a driver who is uninsured.

Car accidents can be very stressful situations. You are dealing with physical and emotional pain, financial losses, and the frustrations caused by the insurance company. Relieve some of this stress by allowing a car accident attorney to manage all of your dealings with the insurance company and court system.

An attorney can ensure that you are treated fairly by the insurance company and that you secure the maximum compensation package for your claim based on the facts of your case.

If you or a loved one was injured in a motor vehicle accident, contact the personal injury lawyers at Landau Law today for a free consultation.

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