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How Do You Find Out How Much Insurance Coverage The Other Vehicle Has In Florida?

on  Car Accidents

After a motor vehicle accident in Florida, you may want to know how much insurance coverage the at-fault driver has. This is understandable because insurance coverage greatly affects how much money you can collect after a car accident, even in no-fault states like Florida. The state’s unique insurance regulations, which include mandatory Personal Injury Protection (PIP) and Property Damage Liability (PDL), play a pivotal role in how compensation is sought and received. However, so does the insurance coverage of the at-fault driver. Navigating these complexities can be challenging, especially when dealing with the stress and confusion following a car accident.

This is where an experienced Florida car accident attorney becomes invaluable. At Prosper Shaked Accident Injury Attorneys, PA, we have extensive experience helping injured accident victims get the money they need to recover. With a deep understanding of Florida’s insurance laws and a commitment to advocating for your best interests, our attorneys stand ready to assist you in determining the insurance coverage of the other vehicle involved. Whether negotiating with insurance companies or pursuing legal action when necessary, we will be here with you every step of the way. 

Understanding Florida’s Insurance Requirements

Understanding Florida’s insurance requirements is essential for every driver. Here’s an overview of the state’s minimum insurance coverage requirements and the specific roles of Personal Injury Protection (PIP) and Property Damage Liability (PDL).

Florida’s Minimum Insurance Coverage Requirements

Both PIP and PDL are required in the state of Florida for all vehicles with four or more wheels.

The law requires that these coverages be maintained continuously throughout the vehicle’s registration period.

Personal Injury Protection (PIP):

  • Florida law mandates that all drivers carry PIP coverage.
  • The minimum required PIP coverage is $10,000.
  • PIP covers medical expenses, lost wages, and death benefits regardless of who is at fault in an accident.
  • It provides immediate medical coverage up to the limit of the insurance policy.

Property Damage Liability (PDL):

  • The minimum PDL coverage required is $10,000.
  • PDL covers damages to another person’s property (e.g., their vehicle) caused by you or someone else driving your vehicle with your permission.
  • It does not cover damage to your own vehicle.

Unfortunately, these minimum coverages do not include bodily injury liability, which can be critical in covering costs related to injuries you might cause to others in an accident. Carrying additional coverage beyond the state minimum is often recommended for better protection.

Understanding these insurance requirements is vital for legal compliance and financial protection in the event of a car accident. If you’re unsure about your coverage or need assistance understanding another driver’s insurance coverage, consult an experienced Florida car accident lawyer immediately.

Understanding Florida’s No-Fault Laws

Florida’s “no-fault” insurance system is a key aspect of its auto insurance laws, designed to streamline the process of financial recovery after a car accident. In a no-fault system, after a car accident, each driver’s insurance coverage addresses their respective costs, irrespective of who caused the accident. Specifically, in Florida, your Personal Injury Protection (PIP) coverage kicks in to cover your medical expenses and certain other losses, such as lost wages, up to the limits of your policy, which is a minimum of $10,000.

The primary purpose of PIP coverage under the no-fault system is to ensure quick payment of medical expenses and lost income without requiring lengthy and potentially contentious fault determinations. This system reduces the administrative and legal burdens associated with determining fault in every accident and reduces the number of car accident lawsuits. 

Yet, for all its benefits, the no-fault system has its limitations. It does not cover property damage (where Property Damage Liability, or PDL, comes into play) or all types of injuries. In Florida, if the injuries sustained in an auto accident are severe, the injured party may “step outside” the no-fault system. Severe injuries typically include significant and permanent loss of an important bodily function, permanent injury within a reasonable degree of medical probability, significant and permanent scarring or disfigurement, or death.

When injuries meet this threshold, the injured party can file a claim against the at-fault driver to seek compensation for damages not covered by PIP, such as pain and suffering. This option to pursue a personal injury claim against the at-fault party is critical in cases where the PIP coverage is insufficient to cover all medical expenses or in situations where the injuries and their impacts are profound and long-lasting.

If you need to step outside the no-fault system in Florida, you and your injury attorney will need to understand the at-fault driver’s insurance coverage when filing a claim. 

Steps to Find Out Insurance Coverage

The steps you take at the accident scene and weeks later can help you through the claims process. You must take these steps to determine how much insurance coverage the at-fault driver carries. 

At the Accident Scene

After a car accident in Florida, you must exchange information with the other driver. This exchange should include obtaining the other driver’s insurance company name, policy number, and personal details like name, address, phone number, and vehicle registration information. This step is foundational in the claims process and for any legal proceedings that may follow. Without it, you may be unable to find the driver responsible for your accident and injuries. 

Additionally, gathering information from witnesses, including their statements and contact details, can provide invaluable support in case there are disputes or conflicting accounts of the event later. This evidence not only aids in clarifying the circumstances of the accident but also serves as a crucial resource for your insurance claim or any legal action that may be necessary.

Post-Accident Actions

After being involved in an accident in Florida, contact your insurance company immediately. Reporting the incident promptly aligns with many insurance policies’ requirements and initiates the process of claim evaluation and settlement. When you make this call, provide your insurer with all the details gathered at the accident scene. This information includes the other driver’s insurance details, photographs of the scene, any witness information, and a comprehensive account of the event. The completeness and accuracy of this information are crucial for a smooth claim process.

Moreover, if you encounter difficulties obtaining the at-fault party’s insurance details or if they are uncooperative, your insurance company can intervene on your behalf. They have established protocols and legal avenues to request and obtain these details. This approach often proves more effective and less stressful than attempting to get the information directly from the other driver. By leveraging the resources and expertise of your insurance provider, you can navigate this post-accident process more efficiently and ensure that all necessary information is accurately collected for your claim.

Consulting a car accident attorney becomes vital if you’re involved in a car crash in Florida that results in injuries or significant damage. Navigating the aftermath of such incidents can be complex, especially when dealing with insurance matters. An experienced attorney will help you understand the intricate insurance policies associated with your case. They bring a depth of knowledge of Florida’s insurance laws and personal injury claims, which is crucial in advocating for your best interests.

The role of a personal injury lawyer extends beyond general legal advice. They possess the experience and legal resources necessary to obtain detailed insurance information, which might be challenging for an individual to access independently. This includes securing information about the at-fault party’s insurance coverage and ensuring that it is sufficient to cover your damages and losses. If the coverage is inadequate, your Florida car accident attorney can guide you on the next steps. This may involve negotiating with the insurance companies for a fair settlement or, if necessary, pursuing further legal action to obtain the compensation you deserve.

In situations where the insurance process becomes contentious or if there are disputes regarding fault or the extent of damages, an attorney’s guidance is invaluable. They can navigate these challenges, handle negotiations on your behalf, and work toward a swift. 

Using the Florida DMV

In Florida, if you find yourself in a situation where the other driver involved in an accident is uncooperative, or their provided insurance information appears inaccurate, you can request this information through the Florida Department of Motor Vehicles (DMV). This process is particularly helpful when direct communication with the other party isn’t working. However, the DMV requires a valid reason for this request, such as being involved in a vehicular accident with the person in question. It’s not a tool for casual inquiry but rather a formal process meant to aid in legitimate cases of need.

Additionally, you should be mindful of privacy laws that may restrict the information the DMV can release. These laws are in place to protect individuals’ privacy and personal information. As a result, while the DMV can be a valuable resource in obtaining essential insurance information, the scope of what they can legally disclose is bound by these regulations. 

Because of this, it is best to let an experienced Florida car accident lawyer take the lead. They can guide you through obtaining information from the DMV, ensuring that your request adheres to legal standards and is as effective as possible.

Sending a Fla. Stat. Section 627.4137 Statutory Request for Insurance Policy Disclosure

Florida Statute 627.4137 requires that insurance companies in Florida provide the at-fault parties insurance information 30 days of a written request by the claimant or their attorney. At our office, this is the first letter that we send to all insurance companies involved. This can be done by sending the at-fault party’s insurer company a properly addressed letter including the at-fault party’s insurance policy number, claim number, and date of incident requesting the following information:

“a statement, under oath, of a corporate officer or the insurer’s claims manager or superintendent setting forth the following information with regard to each known policy of insurance, including excess or umbrella insurance:

(a) The name of the insurer.

(b) The name of each insured.

(c) The limits of the liability coverage.

(d) A statement of any policy or coverage defense which such insurer reasonably believes is available to such insurer at the time of filing such statement.

(e) A copy of the policy.”

The insurance carrier must comply with this request or it will find itself in problems with the Florida Department of Financial Services, which is the government agency that regulates insurance companies in Florida.

What Happens If the Other Party is Uninsured or Underinsured

Sometimes, the person responsible for the accident lacks the necessary funds or insurance coverage to pay you for the damages you suffered. When this occurs, what can you do? 

Start by determining whether the at-fault driver is uninsured or underinsured. This can be done by obtaining their insurance details and verifying with your insurance company or attorney.

If you have UM/UIM coverage, your attorney will file a claim with your insurance company. If complexities arise, or you’re unsure how to proceed, your attorney will be there to offer guidance on the legal aspects and help maximize your claim.

Dealing with car accidents in Florida requires careful steps, and issues can often arise. If you face challenges, like the other driver not sharing their insurance details or having insufficient insurance, know you have options. An experienced Florida car accident lawyer can guide you through these issues and get you the necessary compensation. 

Contact Our Florida Car Accident Attorneys Today

If you or someone you love suffered an injury in a car accident in Florida, we want to be the first – and only – call you make. Florida car accident lawyer Prosper Shaked can help you obtain the money you need after a serious collision. We’ll explore all avenues of compensation after a collision and help you through this difficult time.

For a free consultation on your case, call Prosper Shaked today at (305) 694-2676 or fill out our confidential contact form.