Car accidents can be expensive. Even minor repairs like replacing a windshield after a car accident can cost you well over $1,000. The more you understand Florida’s car accident laws, the easier it will be for you to get the compensation you deserve while avoiding potential fines and fees for accidentally violating those laws. Here are the key things your Florida car accident lawyer wants you to know so you can navigate the legal process with confidence.
You’re Required to Report Accidents to the Police
Florida state law requires drivers to report accidents to the police under certain circumstances. You’ll need to call 911 if your accident involves:
- Injuries to yourself, passengers, or the other driver
- Property damage that appears to have a value of a minimum of $500
- Deaths
That said, it’s a good idea to contact the police after every car accident, even if you’re not required to by law. Law enforcement officials can collect witness statements, act as mediators between you and the other driver, and ensure that everyone is safe.
Florida Is a No-Fault State
Florida follows a no-fault rule for car insurance. This means each driver is required to file a claim with their insurance provider after an accident under their personal injury protection (PIP) policy. This policy is designed to cover the cost of the first $10,000 of medical bills following an accident, regardless of who is responsible for the accident. Every driver is required to have PIP coverage in place, and failing to do so could mean you won’t be able to register your car each year. If your bills exceed that coverage limit, you may be able to sue the other driver for additional compensation.
Drivers Are Required to Have PDL Coverage
Like most states, Florida has minimum insurance requirements that all drivers are required to have. This includes personal injury protection (PIP) insurance but it also includes property damage liability (PDL) coverage. The state expects you to also maintain at least $10,000 in PDL coverage at all times. If you have less, you may not be able to register your car in the state and could be subject to a fine if you’re involved in an accident. Furthermore, you could face a costly lawsuit if you injure someone.
At-Fault Drivers May Recover Damages
In Florida, drivers responsible for the accident can still recover damages from the other driver’s insurance provider as long as the other driver shares at least a small amount of responsibility for the accident. The amount you’ll be eligible to receive should be proportionate to the amount of fault you bear. The greater the percentage of fault you have for the accident, the less you’ll likely receive from the insurance provider.
You Have a Limited Time to File Lawsuits
If you decide to file a lawsuit against the other driver, you could increase the amount of money you receive to help with your recovery. However, there is a firm deadline you need to pay attention to. Under Florida state law, you have four years from the date of the accident to file a lawsuit against the other driver involved. If you wait beyond that two-year mark, you won’t be able to file a lawsuit for the accident.
That’s why it’s a good idea to speak with an attorney as soon as you’re on the road to recovery after an accident. The sooner you schedule a consultation, the sooner you’ll be able to figure out the best next steps.
When You Should Speak With a Florida Car Accident Lawyer
If you’ve been involved in a car accident, don’t wait to speak with an experienced Florida car accident attorney. At Winegar Law, our team is here to help. Contact us to schedule a free consultation and let our team help you decide if filing a lawsuit against the other driver is in your best interest.